Send your tenant a link
Once you’ve sent a tenant the unique link to your customised Passport form, the tenant completes the reference form with their personal information.
The automated verifications and checks are then instantly and securely processed by Movem, and you’re notified that your tenant’s Passport is completed and ready to view.
View the reference summary
The Movem Passport summary gives you a free and instant snapshot of the tenant’s reference.
It confirms whether the tenant passed identity, address checks, top level results from the soft credit search, and displays helpful charts for any verified income and rental payments, and lists answers to any other qualifying questions you specify.
Download the full reference
If you’re happy with the Passport summary and decide to approve the tenant for an available property, you can then go ahead and purchase the full reference. This includes a detailed breakdown of all the verifications and checks conducted.
You can download and keep this full reference as a PDF, for your agency records.
Identity & address verification
Movem will verify that the tenant’s name, address and date of birth match official records, just like a traditional reference. This authenticates that a tenant lived at an address.
Movem uses credit reference agencies, i.e. CallCredit, Experian & Equifax, to verify this information. We have both primary and secondary providers to limit downtime and improve the accuracy of results.
Soft credit check
Movem will search for the tenant on the electoral roll, as well as any address and/or alias links. We will verify that the tenant does not have any adverse credit history, including court judgments (CCJs), decrees, sequestrations, trust deeds, IVAs, bankruptcies and debt relief orders. This information is verified directly with credit reference agencies (CRAs). Movem uses CallCredit and Experian.
Income verification
The tenant provides Movem with one-time, read-only access to view their transactions. Passport uses algorithms and machine learning to detect the tenant’s regular income, whether it be weekly or monthly, salaried or variable, overtime or bonus.
Passport works with every major UK bank and also many foreign banks. We use bank-grade security and only tenant-authorised transactions are saved to their reference. Movem never sees a tenant’s banking credentials, and does not store any bank account information.
Past rental payment verification
Passport will simultaneously identify past regular rental payments from the same bank account. Once income has been confirmed, the tenant will be asked to confirm their rental payments. They’re also given an option to sign into a different online bank account.
Movem’s transaction verification takes seconds, and the results are displayed instantly to the tenant.
How transaction analysis works
When a tenant chooses online banking to verify their income and rental payments, Movem Passport’s algorithms get to work.
Tenant’s bank
A tenant must grant one-time, read-only access to their online bank account. Their bank will then securely share their transactions with Movem Passport.
Movem Passport
Movem’s algorithms then analyse each transaction, filtering out everything but the relevant income and rental payments. We never see tenants’ bank login details.
Agent
Agents can only view these filtered transactions. This helps agents to be GDPR compliant — no more storing tenant’s sensitive financial data.
How we connect securely to banks
Movem connects to every major UK bank
We also connect to many foreign banks. If we’re missing a bank or building society that you’d like to use, please let us know.
We’ve partnered with top bank validation companies to securely access identity and transaction data from a tenant’s bank account in real-time. using bank grade security. Using these trusted third parties who are highly experienced in handling bank data means that Movem never has to see or store tenants’ banking credentials.
Using multiple validation providers gives Movem robustness in the case of service outages. All of our bank validation partners are regulated by the Financial Services Authority (FCA).
