Elektronisk signatur Banking United Kingdom
Sign account agreements, mandate authorisations and KYC documentation electronically.
Certyneo supports UK banks, fintech lenders and payment institutions in signing account agreements, payment mandates, customer verification documents and lending paperwork electronically. Compliant with UK COBS and ICOBS rules, FCA and PRA requirements, Payment Services Regulations 2017 (PSR 2017), Money Laundering Regulations 2017 (MLR 2017), and eIDAS-compliant signature standards, with a complete audit trail.
- Jurisdiktion
- United Kingdom (GB)
- eIDAS-ramverk
- UK eIDAS (retained) + Electronic Communications Act 2000
- Hosting
- IONOS Tyskland (EU)
Användningsfall för Banking i United Kingdom
Account opening and terms acceptance
Financial institutions can capture electronic signatures on account terms, product disclosures and customer data consent forms via a secure link. Each signature records identity, timestamp and device fingerprint; the audit trail meets FCA and PRA standards for evidence of customer consent under COBS and ICOBS.
Payment mandates and standing orders
Payment Services Regulations 2017 (PSR 2017) permit electronic mandates with documented customer authorisation. Certyneo captures the payer's authorisation with a timestamped signature and encrypted evidence, reducing dispute risk and supporting the institution's PSR 2017 compliance obligations.
KYC and customer due diligence (CDD)
Money Laundering Regulations 2017 require documented customer due diligence. Certyneo lets customers electronically confirm their identity and beneficial ownership details; each submission is time-stamped and archived with integrity, evidencing the firm's MLR 2017 compliance.
DokumentBankingAnvändning av nätet
De dokument som branschen oftast tecknar med Certyneo:
- Account opening terms
- Payment mandate authorisations
- Standing order consents
- Customer due diligence (KYC) forms
- Beneficial ownership declarations
- Loan and credit agreements
Vilken signaturnivå ska jag välja?
Certyneo omfattar alla tre och anpassar autentiseringen till den nivå som krävs.
Enkelt (SES)
För dokument med låg insats (valuta, beställningsbevis) omedelbar införande.
Förskott (AES)
Länk till signaten via OTP, e-post/SMS och audit trail.
Rekommenderad nivå för sektorn
Kvalificerad (QES)
Den är den juridiska motsvarigheten till en handskriven signatur med certifikat.
Banking and payment institutions need fast, streamlined customer onboarding with robust audit evidence for regulatory examination. Certyneo's electronic signature solution strikes the optimal balance of speed (mobile-friendly one-click sign), legal validity (eIDAS-compliant), and regulatory assurance (timestamped, identity-verified audit trail) for account opening, mandate and KYC workflows.
Juridisk ram British
FCA and PRA conduct and prudential rules
UK banks and payment institutions must maintain contemporaneous evidence of customer consent under FCA Handbook rules (COBS, ICOBS) and PRA standards. Certyneo's electronic signatures with timestamped audit trail meet these evidence requirements and support regulatory examination under FCA and PRA supervision.
Payment Services Regulations 2017 (PSR 2017) and Money Laundering Regulations 2017 (MLR 2017)
PSR 2017 (implementing PSD2) permits electronic payment mandates with documented customer consent. MLR 2017 mandates documented customer due diligence and beneficial ownership records. Certyneo's encrypted, audit-trailed signatures and data retention (per GDPR and eIDAS standards) support compliance with both regimes.
Hur man skriver under ett dokument i fyra steg
- 1
Ta med dokumentet
Ladda upp en PDF-fil eller en mall och skriv in signatur, inledning och datum.
- 2
Lägg till undertecknarna.
Ange adresser och underteckningsorder, och alla får en säker länk via e-post.
- 3
Varje tecken på linjen
Undertecknarna autentiseras (OTP via e-post eller SMS) och skriver under från en dator eller mobiltelefon utan att skapa ett konto.
- 4
Arkiv med bevisvärde
Det undertecknade dokumentet och dess eIDAS-bevis är tidsstämplade och arkiverade.
Officiella rättsliga källor
Tillämpliga rättsliga referenser, som finns på de officiella webbplatserna:
Vanliga frågor — Banking United Kingdom
Can we capture electronic signatures on account opening documents and KYC forms?
Yes. UK banking regulations permit electronic signatures on account terms, customer declarations and due diligence forms. The electronic signature with Certyneo provides a timestamped audit trail that evidences consent and supports regulatory examination under FCA and Money Laundering Regulations 2017.
Do Payment Services Regulations 2017 allow electronic payment mandates?
Yes. Payment Services Regulations 2017 (PSR 2017), implementing PSD2, permit payment mandates and standing orders signed electronically with documented customer consent. Certyneo's timestamped signature captures the payer's authorisation with an identity record, reducing dispute risk and streamlining compliance documentation.
How does Certyneo help with Money Laundering Regulations 2017 compliance?
Certyneo lets customers electronically confirm identity and beneficial ownership information; each submission is timestamped and stored with integrity. This contemporaneous, audit-trailed record satisfies MLR 2017 customer due diligence requirements and supports your compliance file.
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