How to redact your passport for opening a bank account

Why the bank asks for your passport

Banks must verify your identity and address (KYC) before opening an account. Your passport's photo page carries your full name, photo, date and place of birth, nationality, and passport number — plus a machine-readable zone (MRZ) that re-encodes most of it.

The bank needs your identity and address confirmed; for remote sign-ups, send redacted copies and finish verification through the bank’s secure channel. The catch: a clean passport scan is enough to open accounts, apply for credit, or forge travel documents in your name. That's why you should hand over a redacted copy — see the full passport redaction guide or what to redact for opening a bank account.

What to redact on your passport

• Passport number It's the key an identity thief needs to impersonate you or commit visa fraud.
• Machine-readable zone (MRZ) The two coded lines at the bottom re-encode your number, name, and date of birth — redact them or the number leaks anyway.
• Date and place of birth A standard identity-verification answer; paired with your name it is enough for fraud.
• Signature Can be lifted from a scan and reused on forged documents.

What to keep visible (so it's still accepted)

• Your photo
• Your full name
• The expiry date, if the receiver must confirm the passport is valid

The watermark to add

Stamp a purpose watermark so the copy can't be reused beyond opening a bank account:

Redact your passport in 4 steps

1. Pick the photo. Open Cachera and choose the photo of your passport with the system picker — only that photo is read, never your whole library.
2. Black out the sensitive fields. Drag a black block over the passport number and machine-readable zone. On export those pixels are destroyed — there's no hidden layer to recover underneath.
3. Add a purpose watermark. Stamp "For this account application only" so the copy can't be reused beyond opening a bank account.
4. Export and send. Lay it out on A4, export a PDF, and share it with the bank. Everything happened on your iPhone — nothing was uploaded.

Is this OK to do?

FAQ

Will the bank still accept a redacted passport?

Yes. Keep your photo and your full name visible so they can confirm what they need, redact only the sensitive fields, and add a clear "For this account application only" watermark. A watermarked, partially-redacted copy is normal, accepted practice.

What should I never show on a passport?

Hide passport number, machine-readable zone, date and place of birth, signature. A clean passport scan is enough to open accounts, apply for credit, or forge travel documents in your name.

Can the black bars be removed from the copy later?

No. Cachera flattens the redaction into the image on export — there is no hidden layer beneath the black blocks, so the covered text cannot be recovered from the PDF.

Should I send the original passport instead?

Upload only through the bank’s official secure portal — never by email. Redact anything the form does not explicitly require. A redacted copy with a purpose watermark is usually the safer choice.