First, please ensure that:

• the Get Sumsub Verification Data endpoint returns the IDENTITY_APPROVED status;
• the Retrieve User Information endpoint does not return the bank_account:forbidden scope.

If these conditions are met, you can proceed with the steps below.

Since you have already passed basic KYC, you are not required to resubmit your passport or repeat previous steps — only proof of address will be needed.

Step 1. Upgrade a SUMSUB Access Token

To get started, upgrade a verification token for the Sumsub SDK process.

POST /reg/v2/verification/sumsub/token/upgraded

Response Example:

{
  "token": "string"
}

Use the token to proceed with the Sumsub SDK. How to integrate

Step 2. Upload your POA Document

The document must be issued within the last three months. We accept the following documents for verification:

• Bank documents — bank letters, bank statements, etc.
• Utility bills — electricity, water, internet bills, etc.
• Government-issued documents — tax bills, statements, voter registration, etc.

Step 3: Complete the Verification

Once previous steps are completed, submitted documents undergo verification. In case of discrepancies, you’ll be asked to upload new files. Upon successful approval, you’ll be notified and can continue with the IBAN application process. How to open an IBAN account

Possible statuses of the KYC verification process