What documents do I need to open an account?

Personal accounts

• Photo identification — a valid passport, national identity card or driving licence. It must be unexpired and show your full name, date of birth and photograph.
• Proof of address — a utility bill, bank statement, tax notice or government letter issued in the last three months, showing your name and residential address. Mobile phone bills and screenshots are not accepted.
• Tax identification — your tax identification number and country of tax residency.

Business accounts

• Certificate of incorporation or business registration.
• Memorandum and articles of association, or the equivalent constitutional document.
• Proof of registered business address.
• Identification and proof of address for every director, authorised signatory and beneficial owner holding 25% or more.
• A short description of the business activity, expected turnover and main trading countries.

How to submit them

Documents are uploaded through the secure upload screen in your application or, once you have an account, under Profile → Verification. Accepted formats are JPG, PNG and PDF up to 5 MB per file. Never email documents to anyone claiming to be from Optimal MetroHub Bank — see What we will never ask you for.

Photograph documents on a flat, dark surface in good light. Blurred edges, glare and cropped corners are rejected automatically and add days to your application.