How do I set up an account with a neobank?

Before you sign up for a neobank, have these items handy:

• A valid government-issued photo ID (passport, driver’s license, national ID)
• Proof of address (utility bill, bank statement, or similar document from the last three months)
• A mobile phone number that can receive SMS
• Access to your email

If you’re unsure about which documents we accept, Chatref’s knowledge base gives you the exact list - no guesswork. Our AI agent can even check your document type as you upload it, helping you avoid rejections during neobank registration.

Start the neobank account setup from our homepage or download the app from your app store. Tap “Open neobank account” and enter your email and a strong password. The built-in onboarding AI (powered by Chatref) will then guide you step-by-step, explaining each field so you always know what to do.

Fill in your personal details - name, date of birth, address - exactly as they appear on your ID. If you pause, the assistant keeps your place and reminds you of the next step. You can ask it any question right in the signup flow; it draws from our support docs to give you instant, accurate answers.

As part of the neobank registration, you’ll need to verify your identity. The assistant will prompt you to take a photo of your ID and a live selfie. Our system uses custom actions to securely capture, process, and submit these documents without ever leaving the chat. Once verified, you’re a step away from your new account.

If something doesn’t match, the AI agent explains what went wrong and how to correct it - no need to email support. You can re-upload documents right there, and the whole verification usually takes under two minutes.

Once your neobank account setup is complete, you’ll receive a welcome message inside the chat with your account number and next steps. The same Chatref-powered assistant stays available to help you set up direct deposit, order a debit card, or answer any question about features. Because the assistant has access to our entire help center (knowledge base), it continues to give you reliable answers as you explore your account.