It's convenience that counts.

Removing barriers using Bank Data

Founded in 2011, The ID Co. has been building products based on (Open) bank data, creating convenience for consumers and helping businesses like online lenders easily on-board their customers by solving pains such as affordability and credit risk.

Our DirectID platform help achieve this by removing friction caused in the application process by current challenges of risk, compliance, fraud and regulation. The products we provide solve business pains such as assessing a customer’s affordability whilst verifying their account information to offset credit risk.

The ID Co. granted FCA Authorisation as Open Banking AISP

We are proud to have been granted FCA approval to provide Open Banking Account Information Services in the UK market as a Registered Account Information Service Provider (RAISP).


for businesses.

DirectID lets businesses offer their customers a frictionless user verification experience that’s been proven to increase conversions while saving time, money and reducing risk. Click to learn more.

Global coverage
Seamless user experience
Hosted and API implementation options

for consumers..

miicard Digital Passport empowers consumers with a versatile digital identity that makes sharing your personal data online seamless and secure, letting you do things in seconds that might once have taken hours, or even weeks. Click to learn more.

Prove your identity online
Owned and managed by the individual
Always up-to-date






Supported Banks


Document types


DirectID Verifications


miiCard Users

Our Story.

Identity validation online is one of the biggest problems facing the internet, creating opportunities for cybercriminals, slowing down simple tasks, and preventing people from doing business safely online.

At the ID Co., our mission is to banish these issues to the past where they belong, using cutting edge data identity technology to revolutionise the way people share their personal information on the internet.

Today, we’re building trust online in over 32 countries, across 5 continents and to a potential audience of over 500 million consumers.

We’re passionate about making the internet a safer, simpler place for everyone – all thanks to the remarkable power of trust.


Join the team.

Join us on our journey as one of Scotland's leading FinTech start-ups. Our platform is a vital component for major financial institutions around the world with new customers, users and challenges every month - we are growing fast and looking for the best talent to join our team.

We pride ourselves on providing a creative and supportive work environment. Apply for a job with us and start your journey into the future.

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