Individuals onboarding

Onboarding requirements

Standard information collected:

First and last name
Country
Street address, city, postal code, province/state
Date of birth
Email
National identity number (required for non‑USA residents)
Social Security number (USA residents only)
ID verification (optional for US residents with minimal activity)
Proof of address (may be required for SEPA access or EEA+ residency; required when conflicting location signals)

For high‑risk profiles (e.g., resident of high‑risk region or age ≥ 60) and/or high‑volume transactors, additional details may be requested:

Occupation and employment status
Source of funds
Primary purpose of the account
Expected monthly amounts to be sent/received
Intermediary status (whether sending/receiving on behalf of someone else)

In rare cases, additional information may be requested during onboarding.

Individual identification numbers by country

Individual Identification Numbers by Country

In addition to the items listed in the table below:

passport, national_id and other are valid options for all countries except the USA.

Region	Identification Type
Aruba (`Abw`)	`other` - Please provide a description of the document being provided
Afghanistan (`Afg`)	`tin` - Tax Identification Number
Angola (`Ago`)	`nif` - Número de Identificação Fiscal
Albania (`Alb`)	`tin` - Tax Identification Number
Andorra (`And`)	`other` - Please provide a description of the document being provided
United Arab Emirates (`Are`)	`emirates_id` - National Identity Card
Argentina (`Arg`)	`cuil` - Código Único de Identificación Laboral
Argentina (`Arg`)	`cdi` - Código de Identificación
Armenia (`Arm`)	`tin` - Tax Identification Number
Australia (`Aus`)	`tfn` - Tax File Number
Austria (`Aut`)	`si` - Social Insurance Number
Azerbaijan (`Aze`)	`voen` - State Taxpayer Identification Number
Belgium (`Bel`)	`nrn` - National Register Number
Bangladesh (`Bgd`)	`tin` - Tax Identification Number
Bulgaria (`Bgr`)	`ucn` - Unified Civil Number
Bahrain (`Bhr`)	`cpr` - Central Population Registry Number
Bahamas (`Bhs`)	`other` - Please provide a description of the document being provided
Bosnia and Herzegovina (`Bih`)	`jmbg` - Unique Master Citizen Number
Belize (`Blz`)	`other` - Please provide a description of the document being provided
Bermuda (`Bmu`)	`other` - Please provide a description of the document being provided
Bolivia (Plurinational State of) (`Bol`)	`nit` - Número de Identificación Tributaria
Brazil (`Bra`)	`cpf` - Cadastro de Pessoas Físicas
Barbados (`Brb`)	`nrn` - National Registration Number
Botswana (`Bwa`)	`tin` - Tax Identification Number
Canada (`Can`)	`sin` - Social Insurance Number
Switzerland (`Che`)	`avs` - AHV Number
Switzerland (`Che`)	`ahv` - Old Age and Survivors Insurance Number
Chile (`Chl`)	`rut` - Registro Único Tributario
China (`Chn`)	`ricn` - Resident Identity Card Number
Côte d’Ivoire (`Civ`)	`nif` - Número de Identificação Fiscal
Cameroon (`Cmr`)	`nif` - Número de Identificação Fiscal
Colombia (`Col`)	`nit` - Número de Identificación Tributaria
Colombia (`Col`)	`rut` - Registro Único Tributario
Comoros (`Com`)	`nif` - Número de Identificação Fiscal
Costa Rica (`Cri`)	`tin` - Tax Identification Number
Curaçao (`Cuw`)	`crib` - Chamber of Commerce Registration Number
Christmas Island (`Cxr`)	`tfn` - Tax File Number
Cayman Islands (`Cym`)	`other` - Please provide a description of the document being provided
Cyprus (`Cyp`)	`tin` - Tax Identification Number
Czechia (`Cze`)	`rc` - Residence Code Number
Germany (`Deu`)	`steuer_id` - Steueridentifikationsnummer
Dominica (`Dma`)	`tin` - Tax Identification Number
Denmark (`Dnk`)	`cpr` - Central Person Register Number
Dominican Republic (`Dom`)	`tin` - Tax Identification Number
Algeria (`Dza`)	`nif` - Número de Identificação Fiscal
Ecuador (`Ecu`)	`ruc` - Registro Único de Contribuyentes
Egypt (`Egy`)	`tin` - Tax Identification Number
Spain (`Esp`)	`nif` - Número de Identificación Fiscal
Spain (`Esp`)	`nie` - Número de Identificación de Extranjeros
Estonia (`Est`)	`ik` - Individual Code
Ethiopia (`Eth`)	`tin` - Tax Identification Number
Finland (`Fin`)	`hetu` - Finnish Personal Identity Code
Fiji (`Fji`)	`tin` - Tax Identification Number
France (`Fra`)	`spi` - Social Security Number
United Kingdom (`Gbr`)	`nino` - National Insurance Number
United Kingdom (`Gbr`)	`utr` - Unique Taxpayer Reference Number
Georgia (`Geo`)	`tin` - Tax Identification Number
Ghana (`Gha`)	`tin` - Tax Identification Number
Gibraltar (`Gib`)	`crc` - Company Registration Number
Greece (`Grc`)	`aom` - Social Security Number
Guatemala (`Gtm`)	`nit` - Número de Identificación Tributaria
Hong Kong (`Hkg`)	`hkid` - Hong Kong Identity Card Number
Honduras (`Hnd`)	`rtn` - Registro Tributario Nacional
Croatia (`Hrv`)	`oib` - Personal Identification Number
Haiti (`Hti`)	`nif` - Número de Identificação Fiscal
Hungary (`Hun`)	`tin` - Tax Identification Number
Indonesia (`Idn`)	`npwp` - Nomor Pokok Wajib Pajak
Isle of Man (`Imn`)	`nino` - National Insurance Number
India (`Ind`)	`pan` - Permanent Account Number
Ireland (`Irl`)	`ppsn` - Personal Public Service Number
Iraq (`Irq`)	`tin` - Tax Identification Number
Iceland (`Isl`)	`tin` - Tax Identification Number
Israel (`Isr`)	`tin` - Tax Identification Number
Italy (`Ita`)	`cf` - Codice Fiscale
Jamaica (`Jam`)	`trn` - Taxpayer Registration Number
Jordan (`Jor`)	`tin` - Tax Identification Number
Japan (`Jpn`)	`mn` - My Number
Kazakhstan (`Kaz`)	`iin` - Individual Identification Number
Kenya (`Ken`)	`pin` - Personal Identification Number
Kyrgyzstan (`Kgz`)	`inn` - Individual Taxpayer Number
Cambodia (`Khm`)	`tin` - Tax Identification Number
Saint Kitts and Nevis (`Kna`)	`other` - Please provide a description of the document being provided
Korea (Republic of) (`Kor`)	`rrn` - Resident Registration Number
Kuwait (`Kwt`)	`tin` - Tax Identification Number
Lao PDR (`Lao`)	`tin` - Tax Identification Number
Lebanon (`Lbn`)	`other` - Please provide a description of the document being provided
Liberia (`Lbr`)	`tin` - Tax Identification Number
Saint Lucia (`Lca`)	`tin` - Tax Identification Number
Sri Lanka (`Lka`)	`nic` - National Identity Card Number
Lithuania (`Ltu`)	`ak` - Personal Code
Luxembourg (`Lux`)	`matricule` - Matricule Number
Latvia (`Lva`)	`pk` - Person’s Code
Morocco (`Mar`)	`if` - Identification Fiscal
Monaco (`Mco`)	`other` - Please provide a description of the document being provided
Moldova (`Mda`)	`idnp` - Identification Number of the Person
Madagascar (`Mdg`)	`nif` - Número de Identificação Fiscal
Mexico (`Mex`)	`rfc` - Registro Federal de Contribuyentes
Mexico (`Mex`)	`curp` - Clave Única de Registro de Población
Mexico (`Mex`)	`ine` - Instituto Nacional Electoral
Marshall Islands (`Mhl`)	`other` - Please provide a description of the document being provided
North Macedonia (`Mkd`)	`embg` - Unique Identification Number
Malta (`Mlt`)	`tin` - Tax Identification Number
Montenegro (`Mne`)	`jmbg` - Unique Master Citizen Number
Mozambique (`Moz`)	`nuit` - Número Único de Identificação Tributária
Mauritania (`Mrt`)	`nif` - Número de Identificação Fiscal
Mauritius (`Mus`)	`nicn` - National Identity Card Number
Malawi (`Mwi`)	`tpin` - Taxpayer Identification Number
Malaysia (`Mys`)	`itr` - Income Tax Reference Number
Namibia (`Nam`)	`tin` - Tax Identification Number
Nigeria (`Nga`)	`tin` - Tax Identification Number
Nigeria (`Nga`)	`nin` - National Identification Number
Nigeria (`Nga`)	`bvn` - Bank Verification Number
Nicaragua (`Nic`)	`ruc` - Registro Único de Contribuyentes
Netherlands (`Nld`)	`bsn` - Burgerservicenummer
Norway (`Nor`)	`fn` - Fødselsnummer
Nepal (`Npl`)	`pan` - Permanent Account Number
New Zealand (`Nzl`)	`ird` - Inland Revenue Department Number
Oman (`Omn`)	`tin` - Tax Identification Number
Pakistan (`Pak`)	`ntn` - National Tax Number
Panama (`Pan`)	`ruc` - Registro Único de Contribuyentes
Peru (`Per`)	`ruc` - Registro Único de Contribuyentes
Philippines (`Phl`)	`tin` - Tax Identification Number
Poland (`Pol`)	`pesel` - Personal Identification Number
Puerto Rico (`Pri`)	`ssn` - Social Security Number
Portugal (`Prt`)	`nif` - Número de Identificação Fiscal
Paraguay (`Pry`)	`ruc` - Registro Único de Contribuyentes
Qatar (`Qat`)	`qid` - Qatar ID
Romania (`Rou`)	`cnp` - Cod Numeric Personal
Rwanda (`Rwa`)	`tin` - Tax Identification Number
Saudi Arabia (`Sau`)	`tin` - Tax Identification Number
Saudi Arabia (`Sau`)	`rp` - Iqama
Senegal (`Sen`)	`tin` - Tax Identification Number
Singapore (`Sgp`)	`nric` - National Registration Identity Card
Singapore (`Sgp`)	`fin` - Foreign Identification Number
El Salvador (`Slv`)	`nit` - Número de Identificación Tributaria
Somalia (`Som`)	`tin` - Tax Identification Number
Serbia (`Srb`)	`jmbg` - Unique Master Citizen Number
Suriname (`Sur`)	`tin` - Tax Identification Number
Slovakia (`Svk`)	`rc` - Rodné Číslo
Slovenia (`Svn`)	`tin` - Tax Identification Number
Sweden (`Swe`)	`tin` - Tax Identification Number
Seychelles (`Syc`)	`tin` - Tax Identification Number
Turks and Caicos Islands (`Tca`)	`other` - Please provide a description of the document being provided
Togo (`Tgo`)	`nif` - Número de Identificação Fiscal
Thailand (`Tha`)	`tin` - Tax Identification Number
Trinidad and Tobago (`Tto`)	`bir` - Business Identification Number
Tunisia (`Tun`)	`mf` - Matricule Fiscal
Türkiye (`Tur`)	`tckn` - Turkish Citizenship Number
Taiwan, Province of China (`Twn`)	`tin` - Tax Identification Number
Tanzania, United Republic of (`Tza`)	`tin` - Tax Identification Number
Uganda (`Uga`)	`tin` - Tax Identification Number
Ukraine (`Ukr`)	`rnokpp` - Registration Number of the Taxpayer
Uruguay (`Ury`)	`rut` - Registro Único Tributario
United States of America (`Usa`)	`ssn` - Social Security Number
United States of America (`Usa`)	`itin` - Individual Taxpayer Identification Number
Uzbekistan (`Uzb`)	`inn` - Individual Identification Number
Saint Vincent and the Grenadines (`Vct`)	`tin` - Tax Identification Number
Venezuela (Bolivarian Republic of) (`Ven`)	`rif` - Registro de Información Fiscal
Virgin Islands (British) (`Vgb`)	`other` - Please provide a description of the document being provided
Viet Nam (`Vnm`)	`mst` - Mã Số Thuế
Vanuatu (`Vut`)	`other` - Please provide a description of the document being provided
Samoa (`Wsm`)	`other` - Please provide a description of the document being provided
Yemen (`Yem`)	`tin` - Tax Identification Number
South Africa (`Zaf`)	`itr` - Income Tax Reference Number
Zambia (`Zmb`)	`tpin` - Taxpayer Identification Number
Zimbabwe (`Zwe`)	`tin` - Tax Identification Number

Getting started

About Karma

About $KARMA

How it works

Compliance

Developers

Onboarding requirements

Individual identification numbers by country

Getting started

About Karma

About $KARMA

How it works

Compliance

Developers

​Onboarding requirements

​Individual identification numbers by country

Onboarding requirements

Individual identification numbers by country