[lproven]

I lost a Nationwide Building Society account I've had for forty years last year because the bank bought some extremely poor online-ID-verification system.

The bank forgot it had customers in a Crown Dependency. It forgot those countries issues their own ID, their own passports, their own drivers' licences. It forgot it closed its branches in those countries: it told me I had to go into my branch. My nearest branch is a £200 airfare away. It was not paying, naturally.

The crappy online-verification tool only recognises UK documents. It can't handle Isle of Man ones. They did not think.