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Why do I need to verify my source of funds?
Why do I need to verify my source of funds?
Ben Morgan avatar
Written by Ben Morgan
Updated over a year ago

Our compliance team may request a source of funds document in order to verify the origin of your funds. Below are some examples of source of funds documents that we can accept.

Salary

If your money comes from your salary, we might ask for: 

  • Recent pay slip(s)

  • Nature of employer's business

  • Details of employer (including name and business address)

  • Confirmation from the employer of the annual salary

  • Employment contract

  • Information concerning your annual salary and bonuses for the current and/or previous years. 

  • If self-employed, the latest set of accounts and/or tax declarations

Savings

If your money comes from your savings, we might ask for: 

  • Savings account statement;

  • Bank statement identifying the transfer from the savings account to your bank account

  • Further information regarding the original source of funds

Investments

If your money comes from investments, we might ask for: 

  • Contract note confirming the sake of the financial instrument(s) (including the date of the disposal

  • Information regarding the number and value of the financial instrument(s) sold

  • Information regarding the method used to make the investment disposal (including name and business address of the brokerage)

  • Account statement from the brokerage

  • Transaction confirmation documentation

  • Shareholder’s certificate

Property

If your money comes from selling property, we might ask for: 

  • Property sale contract

  • Title deed from the relevant land registry

  • Information concerning the property disposal (including the address of the property, the value of the property disposed of, the date of disposal and the parties involved)

Loan

If your money comes from a loan, we might ask for: 

  • Loan agreement

  • Information concerning the loan agreement (including the amount of the loan, the date of the provision of the loan, a summary of the key terms of the loan and the purpose of the loan)

  • Information regarding the lender (including the name and address)

  • Information concerning any security granted in connection to the loan (whether it be a fixed or floating charge)

Sale of company or shares

If your money comes from selling a company or shares, we might ask for:

  • Latest audited financial statements of the company

  • Latest management accounts of the company

  • Board of Directors resolution granting the distribution of profits or/and dividends

  • Information concerning the dividend distribution

  • Tax declaration form filed in connection to the distribution from a company

Inheritance (Will)

If your money comes from inheritance, we might ask for: 

  • Information concerning the deceased individual (including the name of the deceased individual, date of death, and the relationship of the deceased individual to the beneficiary)

  • Information concerning the receipt of monies or assets in connection with the inheritance (including the received amount, the date of the receipt of the monies or/and assets and solicitor’s details)

Gift

If you received the money as a gift, we might ask for:

  • Information concerning the gift from the donor to the beneficiary (including the received amount, the date of receipt of the gift, the relationship of the donor to the beneficiary)

  • Information concerning the deceased individual (including the name of the deceased individual, date of death, the relationship of the deceased individual to the beneficiary)

  • Notarised/certified proof of identity for the donor

Litigation or Divorce Settlement

If your money comes from litigation or a divorce settlement, we might ask for:

  • Recent pay slip(s)

  • Information and documentation concerning the litigation or divorce settlement (including the lawyer(s) acting for the litigant in the course of litigation)

For all of these documents, we’ll need to be able to see your full name/full entity name, the total amount (which should cover the amount you’re investing with Vauban), and the date you received the money. 

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