Frequently asked questions
OneID is a unique service that enables people to be in control of their identity online, helping them to secure and simplify their digital life. It works by allowing them to use their existing bank-verified identity with online sites and services that they trust – removing all the fiddly form filling, delays and identity checks currently experienced when signing up to a service or shopping online.
Many of the sites and services consumers use online already use a range of identity-checking services. OneID uses an customer’s existing bank-validated identity to simply and swiftly sign-up to new services or shop online. Businesses pay a small fee to the bank for providing this validated identity data. This helps banks and businesses, while keeping the customer in control at all times.
OneID is a unique privacy-focused free-to-use solution that doesn’t store, see or sell customer data. We use bank-grade security protocols to transfer data between the bank and the service the individual approves. Customers have full control over the data that they wish to share.
Why not? OneID provides a quick, safe and easy way to transfer specific data between a bank and a registered 3rd party – with the individuals’ consent. It allows them to take control of their data whilst also speeding up online journeys.
We believe privacy is an essential human right and individuals’ use of OneID is known only to them. We only capture evidence of the consents given, not any personal details. The consent console shows individuals where and when they have provided consent for Digital Identity Net to access their bank account and share their personal data with a relying party.
OneID will never share a consumer’s data with anyone they don’t provide consent for. We don’t store, see or sell data.
Anyone with a UK bank account can use OneID – that is over 97% of the adult population.
OpenID Connect (OIDC) is an authentication protocol that allows the parties within the OneID network to identify each other. For more details see the OpenID FAQ’s page: https://openid.net/connect/faq/
Open Banking is the secure way for individuals to give providers access to their financial information. OneID uses Open Banking regulation to securely transfer their data from their bank to a registered 3rd Party.
Individuals can tap use the ‘OneID’ button to simply and securely sign up to a new online website or service. No registration is required.
At Digital Identity Net we want to make sure OneID is available to everyone who wants to use it. Anyone with a UK bank account can use OneID.
Very. We use bank-grade security to keep your personal information secure.
OneID is compliant with PAS:1296:2018 and certified under the Age Check Certification Scheme (ACCS).
OneID uses the date of birth that is registered with the individual's bank to confirm their age.
Your date of birth is not shared. We only confirm you are the age required to buy the product or use the service.
OneID can be installed in minutes on the Shopify and WooCommerce eCommerce platforms and can usually be integrated into bespoke websites and services in a few days, with minimum effort.
OneID allows you to quickly and securely sign-up or prove your age using you own bank account. By connecting you directly to your bank provider you are able to confirm your details in a few clicks.
Anywhere you see the OneID logo. More and more places are adding OneID all the time.
OneID puts you in control of your personal data while making it quicker and easier to prove who you are online. You can consent to safely and easily share information between your bank and companies you trust.
We use bank-grade security to keep your personal information secure.
We just transfer the data you consent to, to companies you trust. We do keep a record of your consent, but not the personal data itself.
We will only share your personal data with your consent. We will never share your personal data with anyone else.
Don't worry, you don't need another account to use OneID. All you need is a UK bank account with online banking and you're all set.
Yes. We're approved and regulated by the Financial Conduct Authority as an Account Information Service Provider. We are also certified by the Age Certified Check Scheme as compliant with PAS1296:2018.
OneID is partnered with many of the major UK banks but not all banks are currently available. We are working hard to include other banks as soon as possible.
Open Banking is a secure way for third parties to build applications and services using the UK financial system.
We securely share the specified information between your bank and third organisations with your consent.
You must be over 16 to use OneID.
You don't need to register to use OneID. All you need is a UK bank account with Online or Mobile banking enabled.
No. OneID is free for consumers to use.
OneID lets you consent to securely share information between your bank and companies you trust. To access that information we need to connect to your bank.
We are continually working to seek feedback to improve OneID and make it available to as many people as possible.
You can find OneID®'s Privacy Notice here.
The core function of OneID is to facilitate a new way of onboarding customers onto digital services. It allows customers to securely share the personal data held by the bank with online businesses. This allows the business to create new accounts quicker and more securely. Once a customer has created a new account using OneID they are able to then login in the same way. This eliminates the need to create usernames and passwords.
OneID can revolutionise your customer journey, providing a frictionless process for you to onboard new customers. It is simple for you to incorporate and secure, with the highest bank-grade levels of assurance.
Struggling with increasing sign-up and shopping card abandonment rates? OneID is proven to dramatically reduce customer frustrations and increase checkout fulfilments.
Using the OneID identity hub, your business can significantly reduce new customer acquisition and verification costs compared with existing ID validation or checking process you may use.
Identity theft is the fastest growing online fraud in the UK. Using OneID you gain the assurance that your customers are who-they-say-they-are.
OneID is built for integration into many different platforms. Information on our developer portal will help you out with this.
OneID is secure and convenient way of onboarding with new digital services and proving the customer’s identity online. Unlike social media logins OneID uses the data held about them by their bank. The bank holds their name, date of birth and address details which it can share with any online business whenever requested. Unlike social media companies, banks are responsible for ensuring that data is accurate and that it is only accessible to the owner of that data. OneID is committed to keeping the data secure and private and it will only ever be shared with the company the customer is trying to open a new account with. One ID will never share data with advertising or analytics companies.
Once the Business has requested the details they need from the Customer, the Customer will then consent to give these details through their online or app-based bank account. The Customer will be authenticated by the bank however they usually log-in; usually face or touch ID.
There are many benefits to signing up, such as only having to sign one contract to connect to the network established under OneID.
As part of the membership to the OneID scheme, a specific SLA document is issued. This includes agreed high availability service levels for the OneID service, processing of requests, availability of reports and other key areas.
In the rare circumstances the OneID service as a whole is unavailable, it will be amended to appear as such to customers and they will be unable to select the service. As soon as the service is back running it will automatically show as available again.
Digital Identity Net is responsible for ensuring the availability of the OneID service, unless the partner website is experiencing its own problems. In the rare circumstances the OneID service as a whole is unavailable, it will be amended to appear as such to customers and they will be unable to select the service. As soon as the service is back running it will automatically show as available again.
As a bank, OneID enables you to provide your customers with the ability to share the validated identity data you hold with trusted third parties in order to simplify their digital life. It uses the Open Banking protocols you already have in place to create a secure and frictionless transaction process.
Identity theft is the fastest growing online fraud in the UK. By enabling your bank customers to use OneID, you can help both businesses and consumers tackle the fraudsters.
With OneID you can obtain a return on your Open Banking investments, generating entirely new revenue by offering a service your personal banking customers will love.
The unique OneID hub leverages Open Banking APIs, providing seamless integration and interoperability, with a simple adoption process and rapid market deployment.
OneID extends brand value through a direct bank association with a free-to-use consumer service, while also helping to combat fraud and secure online transactions.
Digital Identity Net UK Limited is the owner and operator of OneID. In this capacity, Digital Identity Net sets and maintains the OneID trust framework and systems, and contracts with Customers for use of OneID.
Digital Identity Net is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 FRN: 928911 for the provision of payment services.
We passionately believe in the wider social benefits of OneID and as such have a governance commitment to support and fund a Social Benefit Trust, with a progressively defined portion of profits promoting wider social benefit. The Digital Identity Net Social Benefit Trust has a governance remit to promote wider social benefit by charitable giving.
There are many benefits to signing up, such as only having to sign one contract to connect to the network established under OneID. Please contact us to find out more.
Digital Identity Net will keep a record every time a customer agrees to share their personal data between their bank and a business. We use unique identifiers for every transaction, person, bank and business without ever storing personal data in a form that can be read or understood by anyone other than Digital Identity Net.
At Digital Identity Net, we put data privacy at the heart of our products and have designed OneID to ensure that no personal data is ever stored when a consumer uses it. When they agree to share personal data we send it directly from the bank to the business. Digital Identity Net keeps a record of what data was sent but never the actual data itself. So when a consumer agrees to share their name and address we know that’s what was agreed, but we don’t keep a record of the data itself.
OneID securely transfers data between a customer’s bank and a registered 3rd party. This data is bank-verified.
Digital Identity Net keeps a record of all transactions in Google Cloud Platform (GCP) in the UK regions. We never send data outside of the UK.