Individual KYC requirements - IL
Below are the KYC requirements for the Israel (IL) individual onboarding.
When your platform enables deferred identity verification, identification-related fields become optional at submission. You can still collect and send them, but Airwallex will only verify the data once the deferred verification threshold is reached.
Verification requirements
| Parameter | Type | Description | Regular onboarding | Deferred IDV |
|---|---|---|---|---|
account_details | object | Relevant information associated with Airwallex account. | Required | Required |
account_details.individual_details | object | General information about the individual, such as their name, address, and other relevant details. | Required | Required |
account_details.individual_details.residential_address | object | Residential address of the individual. | Required | Required |
account_details.individual_details.residential_address.address_line1 | string | The first line of a physical address, typically including the street number and name of the building or residence. A P.O. box is not acceptable. | Required | Required |
account_details.individual_details.residential_address.address_line2 | string | The second line of the address, such as apartment, suite, or unit number. | Optional | Optional |
account_details.individual_details.residential_address.country_code | string | Country code. (2-letter ISO 3166-2 country code) | Required; must be IL | Required; must be IL |
account_details.individual_details.residential_address.postcode | string | Postal code or zip code. Only applicable if relevant to the selected country. | Required | Required |
account_details.individual_details.residential_address.state | string | Name of state. Only applicable if relevant to the selected country. | Required | Required |
account_details.individual_details.residential_address.suburb | string | Name of city/suburb. | Required | Required |
account_details.individual_details.date_of_birth | string (date) | Birth date of the individual in YYYY-MM-DD format. | Required | Required |
account_details.individual_details.first_name | string | First name (given name) of the individual. | Required | Required |
account_details.individual_details.middle_name | string | Middle name of the individual. | Optional | Optional |
account_details.individual_details.last_name | string | Last name (family name) of the individual. | Required | Required |
account_details.individual_details.other_names | object | Alias or other names of the individual if different from legal name. | Required if different from legal name | Required if different from legal name |
account_details.individual_details.other_names.first_name | string | First name (given name) of the individual if different. | Required if different from legal name | Required if different from legal name |
account_details.individual_details.other_names.last_name | string | Last name (family name) of the individual if different. | Required if different from legal name | Required if different from legal name |
account_details.individual_details.other_names.middle_name | string | Middle name of the individual if different. | Required if different from legal name | Required if different from legal name |
account_details.individual_details.nationality | string | Nationality of the individual. (2-letter ISO 3166-2 country code). | Required | Required |
account_details.individual_details.phone_number | string | Phone number of the account user, used for identity verification. | Optional | Optional |
account_details.individual_details.live_selfie_file_id | string | File id for live photo selfie of the individual. | Optional | Optional |
account_details.individual_details.identifications | object | Details of the individual for identity verification, such as a passport, driver's license, or other government-issued ID card. | Required | Optional |
account_details.individual_details.identifications.primary | object | Identical to account_details.individual_details.identifications. | Required | Optional |
account_details.individual_details.identifications.primary.identification_type | string | Type of identification. One of DRIVERS_LICENSE, PASSPORT, PERSONAL_ID. For IL: Driver's license is acceptable for Israeli customers only; Passport is required for non-Israeli customers; Personal ID refers to Teudat Zehut (National ID card). | Required | Optional |
account_details.individual_details.identifications.primary.issuing_country_code | string | Country where the document is issued. (2-letter ISO 3166-2 country code). Must be IL for Israeli IDs, or a foreign code for non‑Israeli passports. | Required | Optional |
account_details.individual_details.identifications.primary.drivers_license | object | Driver's license. Acceptable primary ID only for Israeli customers. | Optional | Optional |
account_details.individual_details.identifications.primary.drivers_license.front_file_id | string | File id of the photo of the front of the document. | Required if Driver's license is used as primary ID | Optional |
account_details.individual_details.identifications.primary.drivers_license.back_file_id | string | File id of the photo of the back of the document. | Required if Driver's license is used as primary ID | Optional |
account_details.individual_details.identifications.primary.passport | object | Passport. Required primary ID for non‑Israeli customers. | Optional | Optional |
account_details.individual_details.identifications.primary.passport.front_file_id | string | File id of the photo of the front of the document. | Required if passport is used as primary ID | Optional |
account_details.individual_details.identifications.primary.personal_id | object | Other government-issued ID card. For IL, this is Teudat Zehut (National ID card). | Optional | Optional |
account_details.individual_details.identifications.primary.personal_id.front_file_id | string | File id of the photo of the front of the document. | Required if Teudat Zehut image is provided | Optional |
account_details.individual_details.identifications.primary.personal_id.back_file_id | string | File id of the photo of the back of the document. | Required if Teudat Zehut image is provided | Optional |
account_details.individual_details.attachments | object | Reference to uploaded supporting documents. | Required | Optional |
account_details.individual_details.attachments.individual_documents | array | Identity/supporting files for individual accounts. Must include proof of address. | Required | Optional |
account_details.individual_details.attachments.individual_documents.description | string | Optional notes / description for the file. | Optional | Optional |
account_details.individual_details.attachments.individual_documents.file_id | string | ID of file as provided in the response from the File Service API. | Required | Optional |
account_details.individual_details.attachments.individual_documents.tag | string | Tag of the identity/supporting file. One of: PERSON_NAME_CHANGE_CERTIFICATE, PROOF_OF_ADDRESS, SUPPORTIVE_OTHER. Must include PROOF_OF_ADDRESS. | Required | Optional |
account_details.individual_details.account_usage | object | How the account will be used (cards, sending/receiving countries, expected volume, etc.). | Required | Required |
account_details.individual_details.account_usage.card_usage | array | Ways in which the account will use Airwallex borderless cards. Choose all that apply: GENERAL_EXPENSES, BUSINESS_EXPENSES, EDUCATION, TRAVEL_TRANSPORT, INSURANCE, SERVICES, BILLS_UTILITIES, INVESTMENT, FEES_CHARGES, HEALTHCARE, HOUSING, NO_CARD_USAGE. | Required | Required |
account_details.individual_details.account_usage.collection_country_codes | array | Countries from which the account will be collecting funds. (2-letter ISO 3166-2 country code) | Required | Required |
account_details.individual_details.account_usage.collection_from | array | Sources and counterparties from which the account will be collecting funds. Choose all that apply: ALLOWANCE_FROM_FAMILY, BENEFITS_FROM_STATE, EMPLOYMENT_INCOME, INVESTMENT_INCOME_NONPROPERTY, INCOME_FROM_PROPERTY, INCOME_FROM_MARKETPLLACES, INSURANCE, LOANS, SAVINGS, OTHER_THIRD_PARTIES, PAYMENT_REFUNDS. | Required | Required |
account_details.individual_details.account_usage.expected_monthly_transaction_volume | object | Estimate of expected monthly transaction volume. | Required | Required |
account_details.individual_details.account_usage.expected_monthly_transaction_volume.currency | string | Currency of the monthly transaction volume. (3-letter ISO 4217 currency code) | Required | Required |
account_details.individual_details.account_usage.expected_monthly_transaction_volume.amount | string | Estimate of the expected amount of money to be collected or paid out each month. | Required | Required |
account_details.individual_details.account_usage.payout_country_codes | array | Countries to which the account will be paying funds. (2-letter ISO 3166-2 country code) | Required | Required |
account_details.individual_details.account_usage.payout_to | array | Beneficiaries and counterparties to which the account will be paying funds. Choose all that apply: CONNECTED_AWX_ACCOUNT, EDUCATIONAL_INSTITUTIONS, FRIENDS_OR_RELATIVES, MARKETPLACE_PLATFORM, MARKETPLACE_SELLERS, MOBILITY_PLATFORM, OTHER_THIRD_PARTY_INDIVIDUALS, OWN_BANK_ACCOUNT, OTHER_THIRD_PARTY_BUSINESSES, SECURITIES_BROKERS. | Required | Required |
account_details.individual_details.account_usage.product_reference | array | Intended product usage. Choose all that apply: CREATE_CARDS, MAKE_TRANSFERS, MARKETPLACE_WALLET, MOBILITY_WALLET, OTHERS, PAYROLL_WALLET, RECEIVE_TRANSFERS, TRADE_SECURITIES, TUITION_PAYMENTS. | Required | Required |
account_details.individual_details.has_member_holding_public_office | boolean | Whether the customer, close family member, or business partner holds public office in Israel or abroad. | Required | Required |
account_details.individual_details.has_prior_financial_institution_refusal | boolean | Whether the customer has had previous refusals to receive service from a financial institution due to ML/TF concerns. | Required | Required |
account_details.legal_entity_type | string | Type of account. Defaults to INDIVIDUAL. | Required; must be INDIVIDUAL | Required |
identifier | string | An ID to identify the account user on the client's platform. For platforms with public user profiles, this should be a link to the user profile. | Required | Required |
customer_agreements | object | Agreements collected from the user, such as acceptance of terms and conditions, or opt in for marketing. | Required | Required |
customer_agreements.agreed_to_data_usage | boolean | Consent to Airwallex using the provided data, including consent for Airwallex to verify the identity of relevant individuals with service providers and database owners. | Required | Required |
customer_agreements.agreed_to_terms_and_conditions | boolean | Agreement to abide by the Airwallex terms and conditions (and IL-specific terms where applicable). | Required | Required |
customer_agreements.agreed_to_biometrics_consent | boolean | Consent to Airwallex collecting and processing the biometrics data (applicable if liveness check is conducted, see Deferred identity verification). | Required | Required |
primary_contact | object | Contact information for the primary contact of the Airwallex specified account. It is required to provide at least one form of contact information. | Required | Required |
primary_contact.email | string | A valid email address. | Required | Required |
primary_contact.mobile | string | Contact mobile number. | Optional | Optional |
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