Account Opening
Eligibility, documentation and what to expect
Opening an account with Invinitive is designed to be straightforward, transparent and fully digital. This section explains eligibility, residency considerations, the information we require, and typical onboarding timelines.
Invinitive operates on an execution-only basis and does not provide financial advice.
Eligibility & residency considerations
Account availability depends on both product type and country of residence.
UK residents
UK-resident individuals may be eligible to open:
Eligibility is subject to HMRC rules (for ISAs and pensions) and standard onboarding requirements.
Non-UK residents & expats
Non-UK residents may be eligible to open:
If you move abroad, you may usually retain existing ISA holdings via transfer, but you will not normally be able to make new contributions.
Eligibility for non-UK residents depends on:
Required documentation & verification
To comply with UK regulatory requirements, we must verify your identity and, where applicable, your address and tax residency.
Typically required
You will usually be asked to provide:
Additional documentation may be required depending on:
All verification is completed through a secure digital process.
Verification & checks
As a UK-regulated firm, Invinitive is required to carry out a range of regulatory checks before and during the life of an account. These checks are designed to protect clients and the integrity of the financial system.
Standard checks include:
These checks are standard and apply to all clients.
Source of Funds (SoF)
In some cases, we may need to understand the source of funds being paid into your account.
This relates to where the money being invested is coming from, for example:
We may ask for information or documentation to support this, particularly where larger amounts are involved or where funds are being transferred from overseas.
Source of Wealth (SoW)
We may also request information about your source of wealth, which looks more broadly at how your overall wealth has been accumulated over time.
This could include:
Source of Wealth checks help us build an overall picture of your financial background, as required under UK AML regulations.
Why these checks are necessary
These requirements are part of UK anti-money laundering legislation and apply across the financial services industry.
The level of information requested will vary depending on factors such as account type, transaction size, country of residence and risk profile.
How information is handled
If you have questions about verification, documentation or why certain information is required, our team is happy to explain the process.
Typical onboarding timelines
While timelines can vary, most accounts follow this general pattern:
Online application: completed in minutes
Verification: often same day, depending on documentation
Account approval: typically within a few working days
Transfers from other providers may take longer and depend on third parties.
What happens after approval?
Once your account is approved:
Common questions
Can I apply if I'm unsure about eligibility?
Yes. Our team can provide general information about eligibility and account availability.
Do you provide advice during onboarding?
No. We can explain processes and requirements, but we do not provide investment advice.