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by oliwarner 1030 days ago
It varies wildly between banks. Proof of address isn't a systemic requirement, it's a soft credit check that unlocks profitable functions.

Many banks (Santander, HSBC just two I checked) have entry points for people who are genuinely homeless. And accepted ID can include simple government things like council tax or a driver's license, but also just a letter from your employer or school. Again these are soft checks.