Verify using your smartphone

If you're new to Kiwibank and applying for a credit card online, you can complete the identity verification process from your smartphone using ID Checker.

What is ID Checker?

ID Checker enables us to verify your identity using your smartphone, so you won't need to take your ID documents into a branch to be verified. It's built and hosted by a trusted and reputable third party and can be used on Android smartphones such as Huawei and Samsung as well as Apple devices (IOS).

You can use ID Checker if:

  • You're new to Kiwibank and applying for a credit card online;
  • You have a New Zealand passport or a New Zealand driver licence;
  • You live at a residential address in New Zealand.

We’re looking to extend ID Checker to other products in the future.

How it works

  1. When completing our online credit card application form, select the option to use ‘ID Checker’ to verify your identity.
  2. You’ll receive an email from our credit cards team and a text message from 5900. The text message will include a link to ID Checker.
  3. Using your smartphone, click the link in the text message. You'll need to have your New Zealand passport or your New Zealand driver licence ready. ID Checker will walk you through the next steps. When it asks you to take a photo of your ID, it might be easier to place it on a stable surface like a table.
  4. Once you’ve finished, if your identity has been verified successfully and your application is approved, you’ll receive an email from our credit cards team and your new credit card will be sent to you.
  5. If we can't verify your identity, you’ll receive a call and/or an email from our credit cards team advising you to visit a branch to verify your identity.


Download our ID Checker user guide (PDF 2.2 MB) – it has step-by-step instructions on how to use ID Checker.

If you experience any issues or have any questions, please call us on 0800 525 462 between Monday to Friday between of 8:30am and 5pm.