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Proof of Address Documents: What's Accepted Worldwide in 2026

Utility bill, bank statement, government letter — what is actually accepted varies wildly by country and regulator. Here is the current map.

8 min read

Proof of address is the most country-specific step in any KYC flow. Document types that are gold standard in Germany are rejected outright in Brazil.

Universally accepted

  • Recent utility bill (electricity, water, gas) — under 90 days
  • Bank or credit card statement on issuer letterhead
  • Government tax notice or municipal certificate

Commonly rejected

  • Mobile phone bills (rejected by most EU MLR-regulated firms)
  • Internet-only bills with no physical address
  • Self-printed statements without bank branding

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