Verification Documents - Kogan Money

Verification Documents

Verification Documents

We need to verify your identity and income to process your application.

In the application form, after you have entered your contact and personal details and submitted your application, you will be provided with the option to upload documents. We recommend that you provide your documents at this point, as it will help us assess your application faster.

You can also upload your documents after you have submitted your application by clicking the link in the confirmation email you received.

We’ll let you know if we need you to upload additional documents, such as pay slips and bank statements, to support your application. Applicants may need to supply ONE document from each of the address and residency categories. Address Category
  • Current Driver’s licence (copy of front and back)
  • A utility bill in your name, with your current address (under 90 days old)
  • A current year council rate notice in your name, with your current address
  • A bank statement with your current address (under 30 days old)
  • A Tenancy Agreement, under 3 months old (prepared by a real estate agent, and not handwritten)
  • A Welcome letter from an Energy or Water Company (under 90 days old, confirming your name, address and account number)
  • A Proof of Age card (NSW, SA, NT and TAS only)
Residency Category
  • Medicare card (Interim or Reciprocal Health Care Agreement Medicare Cards aren’t accepted)
  • Australian Passport
  • Australian Permanent Residency
  • Current Australian Defence Force photo ID
Applicants may also need to supply ONE document from the relevant income/employment category below based on employment status. Permanent
  • Most recent computerised pay slip, no more than 45 days old
  • Bank statement (in your name) from the last 3 months showing your regular income
  • Employment contract, signed by your employer (no more than 60 days old)
  • A letter from your employer confirming your current employment, length of employment and gross income details (should be signed by your employer and be less than 30 days old)
  • Your most recent Individual Tax Return (less than 15 months old)
  • Your most recent PAYE Payment Summary (less than 15 months old)
Casual
  • All pay slips from the last 2 months
  • Employment contract, signed by your employer (no more than 60 days old)
  • A letter from your employer confirming your current employment, length of employment and income details (should be signed by your employer and be less than 30 days old)
  • Your most recent Individual Tax Return (less than 15 months old)
  • Your most recent PAYE Payment Summary (less than 15 months old)
Contractor
  • All pay slips in the last 2 months
  • Your most recent Individual Tax Return (less than 15 months old)
  • Your most recent PAYE Payment Summary (less than 15 months old)
Self Employed
  • Two most recent years Individual or Company Tax Returns
  • Two years Business/Company Profit & Loss Statements
Retiree
  • A bank statement from the last 3 months showing regular Centrelink payments
  • An annual superannuation statement showing your pension amount
  • A letter from your superannuation fund/s confirming the amount you have invested and your likely pension amount
  • A letter from Centrelink showing your Permanent Government Pension amount
If you have documents showing other income this could also support your application. For example:
  • Investment income
  • Trust income
  • Dividend income
  • Rental property income
  • Centrelink Allowance/Benefits
  We will let you know during the application process what documents you need to upload depending on the selections you have made. Please note that we may need to contact your employer and/or your accountant to confirm your income and employment details. Please let them know in advance so that we can finalise your application.

If you are using a Mac:

  1. Open the image in ‘Preview’
  2. Click on ‘Tools’ > ‘Adjust Size’
  3. Ensure ‘Scale proportionally’ is checked and then either select a smaller size from the ‘Fit into dropdown’ or enter a smaller Width or Height
  4. Check the ‘Resulting size’ area to see if the image is now below 2.5MB
  5. Click ‘OK’

 If you are using Windows:

  1. Open the image in Microsoft Paint
  2. Select ‘Home’ > ‘Resize’
  3. Ensure ‘Maintain aspect ratio’ is checked and then enter a smaller horizontal % and click ‘OK’
  4. To save the new image, click ‘File’ > ‘Save’
  5. Go to Windows Explorer and check if the image is now below 2.5MB
Sean Barrat
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