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Learn which documents count as proof of address, what to check before submitting, and how to send yours to us.
Overview
Capital on Tap sometimes needs to verify your home address as part of our identity and security checks. This helps us meet regulatory requirements and protect your account from fraud. This article covers which documents we accept, what to check before submitting, and how to send your document to us.
Which documents can I use as proof of address?
Capital on Tap can accept one of the following:
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Personal Bank Statement: This must be a regular monthly statement issued by your bank. On-request letters, summaries, or credit card statements are not accepted.
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Utility Bill: This includes gas, electricity, water, or waste collection bills.
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Council Tax Bill
What are the requirements for a proof of address document?
Every document submitted must meet all of the following criteria:
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Original document: A PDF downloaded from the issuer's website, or a clear copy of a document sent to your home address, is accepted.
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Issued within the last 90 days
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Full name shown: The name on the document must match the Main Account Holder.
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Current address shown: The document must reflect your current home address. Documents showing a previous address are not accepted.
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Complete and unredacted: All pages must be included and nothing can be blanked out. Check the page numbers to confirm you have the full document.
Capital on Tap can't accept photos of unopened envelopes, redacted statements, or partial documents.
How do I submit my proof of address?
When proof of address is required, Capital on Tap will contact you by email with secure upload instructions. You'll then need to submit your document as a PDF file.
What should I do if I'm having trouble uploading my proof of address document?
If you receive an error when uploading, try the following:
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Use a different browser.
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Open a new Incognito window.
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Clear cookies and cache.
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Try switching devices.
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Confirm your document is a PDF and not password protected.
If the issue continues, you can email your PDF directly to contact@capitalontap.com. Please include your Customer reference number (found in 'Your account' in the portal or app) in the subject line. This email option is only available for proof of address issues. For identity verification, documents can only be submitted in the app.
Why might my proof of address be rejected?
A document will typically be rejected if it:
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Was issued more than 90 days ago;
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Is a type that is not accepted;
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Shows a previous address rather than the current one;
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Is incomplete or contains any redacted or blacked out information.
If your document is rejected, our team will contact you to explain what is needed.