We need to positively identify our customers to:
Comply with regulatory requirements.
Ensure the security of your account.
What is KYC?
KYC (Know Your Customer) is a process where you provide proof of identity and proof of residential address. Verification is required before you can make withdrawals.
How to Verify Your Identity
Accepted ID documents:
Driving License
Passport
National ID card or other government-issued identity document
Requirements:
Full picture showing all corners.
Must not be expired.
Scans or screenshots are not accepted.
How to Verify Your Address
Accepted documents:
Utility Bill
Council Tax Bill
Bank Statement
Requirements:
Dated within the last 3 months.
PDF files are preferred (especially for energy/water bills or bank statements).
Photographs must show all corners of the page.
Screenshots or edited versions are not valid.
Common Questions
1. Why was I able to deposit but cannot use my funds?
If your last transaction exceeded €2000, documents must be verified before reopening your account. Funds cannot be released until verification is complete.
2. If I made a withdrawal before being locked, will it cancel?
No. Withdrawals remain valid, but verification is required before the account is fully active.
3. Can I edit or crop my document before sending?
No. Altered documents are not valid. We need the actual document to verify your account.
4. Why was my document initially accepted but my account is restricted again?
Automatic approvals may later be rejected if:
Document is expired, cropped, or unclear
Format is invalid
Information could not be read
5. Why is my account suspended?
It may happen because:
You reached a verification threshold requiring additional documents
Previously submitted documents were invalid
Accounts may also be restricted to meet regulatory obligations (e.g., UK Gambling Commission).
Important Notes
Please check this article on document verification to ensure correct documents are sent.
Processing can take time; your account will be fully active once approved.
Failure to provide required documents or pass age/KYC checks may result in account suspension.
Regulatory Reference
As per our Terms of Service:
Midnite reserves the right to request documents to verify:
Identity of the account holder
Authorization to use a specific card
Any other facts or information provided
Additional documentation may be requested at any time, and accounts may be suspended pending investigation.
3.2.1 Midnite reserves the right at its own discretion and at all times, to:
e. request documents to verify: (i) the identity of the Account Holder, (ii) his/her authorization to use a specific Card and/or (iii) other facts and information provided by the Account Holder. Further documentation may be requested to fulfil other regulatory requirements. Such request may be made at any given moment and Midnite reserves the right to suspend an account pending investigation;