Secure Onboarding Without Slowing Customers Down

Banks need to know who their customers are, understand the origin of their funds and establish whether the information provided can be trusted. Bluem combines identity verification, AML compliance, UBO verification, bank-account ownership and affordability checks in one configurable onboarding journey.

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Bank advisor helping a customer open an account at a branch desk

Personal Account Opening

09/19/2026 14:30

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Identity

AML

Ownership

Device

Lucía García

DNI 45827163R

Identity verified

Just now

Verified

AML screening

1 min ago

Clear

Account ownership

1 min ago

Match

Device intelligence

5 min ago

Low

Trusted by organizations across Europe and the GCC.

Priority Use Cases

From Digital Onboarding to Ongoing Compliance

Build secure customer journeys with connected identity, authentication, financial verification and compliance services—all through one platform.

Digital Account Opening

Open current, savings and investment accounts online in real time. Seamless customer onboarding.

Remote Identity Verification

Verify customers securely using document scanning, NFC and biometrics.

Secure Authentication

Authenticate customers using eID, OTP or a reusable identity wallet.

Business & UBO Verification

Digitise applications, declarations and consent with a complete audit trail.

IBAN Ownership Verification

Confirm that the customer’s name matches the submitted bank account.

AML & Risk Screening

Screen customers against sanctions, PEP and adverse-media sources.

Income & Affordability Checks

Assess income and affordability using documents or Open Banking data.

Regulatory Data Collection

Collect FATCA details and other required regulatory information digitally.

Continuous Monitoring

Support periodic KYC reviews and monitor risk throughout the relationship.

Digital Direct Debit Mandates

Use Bluem’s Green Mandate to obtain valid SEPA Direct Debit authorisations for monthly fees and service charges. Strengthen your cash flow and reduce late or missed payments.

In practice

Digital Banking Onboarding in Practice

Configure one secure onboarding journey for personal and business accounts while completing the required identity, ownership and compliance checks.

Personal Account Onboarding

Open current, savings and investment accounts remotely with integrated identity, AML, FATCA and bank-account ownership checks.

Identity

Maya Vermeer

Identity Verified

Business Account Onboarding

Verify the business, directors, authorized representatives and UBOs within one configurable digital onboarding journey.

Business Record

Brightline B.V.

Director

UBO

The Bluem Advantage

Configure, Monitor and Optimise Every Onboarding Journey

Bluem combines configurable workflows, verified KYC evidence and real-time operational insights—helping banks increase conversion, prevent fraud and stay in control.