Which documents are accepted as Proof of Address (POA)?

You need to upload a photo or a scan of the document issued by a valid issuer and showing: your full and correct current name, your full and correct current residential address, a date of issue that is not older than 3 months, the name of the issuer and a reference to the issuing authority. The information on the POA document must be issued in your name and match the name and address you provided during your registration.

Valid documents include:

• invoices issued by a state authority 
• correspondence letters issued by a state authority
• bank or credit card statements
• traditional bank reference letters (stamped or signed)
• utility bills for gas, water, or electricity 
• internet service provider (ISP) account statements
• bills for landline telephone/internet/TV/communication packages (mobile phone bills are not accepted)
• tax residency certificates from the relevant tax authority
• tax invoice letters
• tax certificates
• tax statements (may be issued within the past year)
• certificates of residence 
• payroll documents/salary statements
• building management statements
• home insurance statements
• mortgage statements
• student rental agreements for university housing/residence
• address and student status confirmation letters issued by the university
• student grant/loan statements issued by the government
• national ID/residence cards containing the residential address issued by the government (cannot be the same
• document as the one used for POI)

Notable exceptions include:

• bills for telecommunications packages that include mobile phones (e.g., a package for internet, TV, and mobile would be acceptable)
• official government-issued documents do not require a stamp/signature/QR code/barcode
• general letters or handwritten documents require a stamp/signature/QR code/barcode
• statements from certain Fintech companies (neobanks) are acceptable as POA if their KYC standards are equal to or stricter than Floin’s OR if they are under supervision by financial authorities or institutions (e.g. N26 is supervised by BaFin)