UK government legislation requires us to perform “Know Your Customer” (KYC) verification on our Expend customers. This is needed in order for us to issue your new Expend Visa cards. The verification is performed by a regulated entity.
The process can take as little as 10 minutes, as long as you have all the required information available. Ensure that you are prepared with the following:
Your organisation’s registration number.
Someone who has access to the organisation’s mobile banking, or recent bank statements.
A “decision-maker”, such as a director, who can verify their identity via the website or on their mobile device. They will need their driving licence or passport, and they will need to record a video for identity verification. You will need to know their personal details (see below).
ℹ️ If the decision-maker is not present while you fill in the form, you don’t need their document at hand, but you do need to know the following:
the type of document and issuing country
the person’s contact details, so you can send them a link to perform the verification
their residential address
their date of birth
their Unique Taxpayer Reference (UTR) or National Insurance Number (NINO)
You can upload a photo of the document, but please note that scans or photocopies are not accepted. The person also needs to record a video of themself for verification.
If there are certain sections you cannot complete right away, you can return to them later.
Getting started
In the Expend web app, click Expend Cards and select Expend Visa Cards.
Under Industry, select an option that is appropriate for your organisation.
Confirm your delivery address. This is where your physical Expend cards will be delivered.
Click Start Verification Process.
Expend Onboarding
From this point on, you will be asked for information about your organisation. Please provide all the information that is requested. We will highlight certain sections here.
ℹ️ Please note that you can come back and fill in more information or make changes. It isn’t necessary to complete everything in one session!
If needed, you can click the Back, Cancel or Finish Later button on the page and return to it later. You can also click Back to app.expend.io to return to the Expend web app. To resume later, follow step 1 under Getting Started, above, and click Enter Company Details.
Select your business setup. If you select “Company”, you are presented with the following task list:
Click each of the sections and provide the required details. Read the guidance on each page carefully before making your selection or filling in the information. If you are unsure, click the What does this mean? links where they are available.
Business details
Click Add and fill in the details about your business. Once everything has been completed, click Submit. The details are verified, and then you can move on to the next step.
Decision-makers
Click Add, review the information provided, and then click Add decision-maker. Make the appropriate selections and fill in the person’s details.
Click Start verification, provide the document details, and click Continue.
Click Continue on phone. We recommended this option if the decision-maker is not physically present.
To send a link to complete the verification to the decision-maker, do one of the following:
Click Copy link and send the link to them.
Click Get link via SMS and enter their mobile number.
The decision-maker now needs to take a photo of their identity document and take a video selfie for verification. (See the yellow box below for more information.)
Once the decision-maker has completed their verification, you are prompted to confirm their personal details and provide their address, date of birth, and UTR or National Insurance Number.
Click Continue and Submit.
⚠️ The decision-maker must complete document and video verification within one hour. However, if this isn’t possible, you can simply start the process again.
Please note that you may be asked for further details depending on the information provided.
Funding sources
Read the guidance and click Get Started.
Fill in the details about your business earnings and about how your Expend cards will be funded.
Click Submit.
Please check the task list again – this section may still be incomplete.
If needed, click Add again, and provided any further details that are required.
✅ Fill in your annual turnover as a number without decimals.
Tax reporting
Once you have completed the section on funding sources, you may be asked for tax reporting details. The options presented are based on your business setup.
Bank account details
You can provide one or more Payout bank accounts. This is for funds paid from Expend back to your account. There are two options:
Log in with your bank
Simply follow the instructions provided. Please note that account verification is done via a secure open banking platform; Expend does not see any of your details.
Verify manually
Fill in your bank account sort code and account number. You may be asked for additional details such as a bank statement.
Sign services agreement
Under Review and sign legal disclosures, click Sign services agreement. There are three agreements to sign:
Business Account Terms
PCCR
Card User Terms
Click each one, review the contents (you can also download it as a PDF document), select the signer from the drop-down list, confirm by selecting the checkbox, and click Sign and continue. When all three are signed, click Finish.
Finishing up
As you complete each section, it will show “In review” and then “Verified”.
If that is not the case – for example, if a section shows “Unsuccessful” or still shows “Add” – please click that section again and make any amendments or additions that may still be necessary.
Once everything is done, click the Back to app.expend.io button at the bottom of the page. When the review is complete, your account and card details will be available in the Expend web app on the Expend Cards page under Expend Visa Cards.