Which address are you trying to establish?
An individual’s residential address is different from a company’s registered office or trading address. Make the request explicit so the client does not upload a business document when the case needs evidence about a person.
Link the evidence to the correct individual or company in the case. A document can be readable and still concern the wrong address or customer.
Which documents might be used?
HMRC gives examples such as bank statements, utility bills and council tax documents. The evidence accepted, its reliability and any alternatives need to fit the business’s documented approach.
Your firm’s policy should specify how recent the evidence needs to be. A rule such as “issued within three months” should not be presented as a universal rule in the MLR for every case.
HMRC: documentary evidenceExplain the requirement before the upload.
A useful request tells the client the evidence type, which name and address should appear, any applicable date requirement and whether all relevant pages are needed. This reduces avoidable back-and-forth.
If the client cannot provide the usual evidence, give them a way to explain the situation. Your firm can then consider an appropriate alternative instead of asking for the same unsuitable document again.
Where does it fit in the AMLCode journey?
AMLCode is designed to request address evidence where the case requires it. It belongs alongside the identity details and other evidence.
This keeps the request purposeful. The workflow should not turn every invitation into an identical document, selfie and utility-bill sequence regardless of the client’s circumstances.
Is a utility bill always required for a UK AML check?
No single utility-bill step applies universally to every customer. The firm needs an appropriate verification approach and evidence requirements that fit its policy, sector guidance and the case.
This is a general introduction. Use current legislation and the guidance relevant to your services and supervisor when setting your firm’s procedures.