Imagine this: You applied for a credit card and provided all the necessary documents. Then, you receive an email from the bank requesting a new copy of your Identity Card. You call the bank and ask about the situation to which they reply the photocopy of your IC was not acceptable. You wonder what went wrong.
This situation might sound strange to you, it’s not. Many people don’t know that scanned copies of an NRIC must meet a certain standard. Other financial documents like your credit report and salary slip are also held to the same standard when it comes to sending scanned copies.
This standard is not malicious in its intent. Banks apply this standard on all scanned documents to prevent fraud, a security measure that is now made compulsory with most banking processes going digital.
While this standard may look a little redundant to us, it is still an important part of the bank's SOP. If the quality of your documents is not up to par, the banks might then delay their approval on your credit card. Worst still, they might even reject your application!
Alternative Tips For Sending A Scanned Document
Of course, you may find it tedious to go to a 7-11 store and use their print and scanning facilities to get a scanned copy of your document. However, you may not have a scanner in your house. You could not use the office scanner either since your office policy prevents you from using it for personal use.
What can you do? Luckily, banks can accept photos of your documents as long as it meets their requirement for a scanned copy and have a good image resolution. Here, we have some hacks to help you on this matter.
1) Place your IC on a piece of blank white paper. For this part, it is in your best interest to use a fresh piece of paper to avoid complications. (You will see why.)
2) Ensure the surrounding area is free from clutter. If not, the photo you take might not resemble a scanned image/ document.
3) When you taking the photo of your document, make sure your phone is parallel to your document. One way to help you achieve this is using the paper as the frame.
4) While we’re at it, it is advisable to use natural light with no flash for the photo. We recommend this step as the camera flash could block out certain details in the document.
5) In the case of NRIC, you need to do the first four steps twice for both the front and back of your NRIC.
6) After taking the photos, you can always use a photo editing tool to spruce it up if you need to.
The following is the end result that you should achieve.
Not every document needs to be scanned for bank submissions as you can also provide the bank soft copy versions of your documents. The soft copy version of your essential documents like your credit report, EPF statement and salary slip can be easily obtained online.
This is why some organisations encourage customers and employees to have these documents both in hard copy and soft copy format. In the same way, we encourage you to have documents in both forms at all times.
Given that every part of our lives is going digital including application, having soft copies of documents is fast becoming a no-brainer in most aspects.
Always Be Prepared
We hope that you have found this article useful in understanding how you can provide financial institutions a scanned copy of your document without does it costing you a single cent. As you prepare your documents, remember that it is advisable to check with your bank or insurance provider on what is the acceptable standard for a scanned document.