> ## Documentation Index > Fetch the complete documentation index at: https://developer.utgl.io/llms.txt > Use this file to discover all available pages before exploring further. # KYC Requirements for Individual Cardholders > Mandatory KYC fields and supporting documents for individual card account applications **Important:** Effective **February 1, 2026 at 00:00 HKT**, new mandatory KYC requirements will apply to all individual card account applications submitted via the Access API. ## Overview To enhance security and ensure compliance with evolving regulatory standards, we are introducing important changes to our KYC requirements for all new individual card account applications submitted via the Access API. ## Mandatory Fields (Effective Feb 1, 2026 at 00:00 HKT) The following fields will become **mandatory** for all individual applicants: ### 1. Occupation The cardholder's occupation, selected from the pre-defined list available at the `/v1/occupations` endpoint. **API Endpoint:** [GET /v1/occupations](/api-reference/occupations/get-occupations) ### 2. Position The cardholder's job position, selected from the pre-defined list available at the `/v1/positions` endpoint. **API Endpoint:** [GET /v1/positions](/api-reference/positions/get-positions) ### 3. Gender The cardholder's gender. **Accepted values:** * `MALE` * `FEMALE` ### 4. Nationality The cardholder's nationality in ISO 3166-1 alpha-2 format. **Format:** Two-letter country code (e.g., `HK`, `US`, `CN`) ### 5. Supporting Documents For **non-Hong Kong (HK) nationals**, at least one of the following supporting documents must be provided. ## Accepted Supporting Documents For applicants who are **non-Hong Kong (HK) nationals**, you must provide at least one of the following documents: | Document Type | Description | | ---------------------------------------------------- | ----------------------------------------------------------------------------------------------------- | | **Hong Kong Immigration Endorsement / Landing Slip** | Official immigration document from Hong Kong Immigration Department | | **Valid Hong Kong Work Visa** | Current and valid work permit for Hong Kong | | **Employment Contract** | From a Hong Kong registered company | | **Salary Payslip** | From a Hong Kong company, **issued within the last 3 months** | | **Tenancy / Rental Agreement** | Valid Hong Kong residential lease agreement | | **Address Proof** | Hong Kong address proof (e.g., utility or telecommunication bill) **issued within the last 3 months** | | **Bank Statement** | Hong Kong bank statement **issued within the last 3 months** | | **Hong Kong-Macao Travel Permit (Front)** | Front side of the permit for travelling to and from Hong Kong and Macao (往來港澳通行證正面) | | **Hong Kong-Macao Travel Permit (Back)** | Back side of the permit for travelling to and from Hong Kong and Macao (往來港澳通行證背面) | | **Proof of Recent Visit** | Hotel booking or flight ticket **dated within the last 7 days** | **Important for Travel Permit:** Both `TRAVEL_PERMIT_FRONT` and `TRAVEL_PERMIT_BACK` must be submitted together. Submissions with only one side will be rejected. **Hong Kong nationals** (nationality = `HK`) are **exempt** from providing supporting documents. ## API Integration When creating card accounts for individual cardholders via the API, include these fields in your request: ```json theme={null} { "accountType": "INDIVIDUAL", "firstName": "John", "lastName": "Doe", "dateOfBirth": "1990-01-15", "occupation": "accountant", "position": "senior management", "gender": "MALE", "nationality": "CN", "supportingDocuments": [ { "documentType": "TRAVEL_PERMIT_FRONT", "file": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEAYABgAAD..." }, { "documentType": "TRAVEL_PERMIT_BACK", "file": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEAYABgAAD..." } ] // ... other required fields } ``` **API Reference:** [Create Card Account](/api-reference/card-accounts/create-card-account) **Important:** * `occupation` and `position` values should be retrieved from the `/v1/occupations` and `/v1/positions` endpoints (lowercase strings like `"accountant"`, `"senior management"`) * `supportingDocuments` files must be **base64 encoded** in data URI format (e.g., `data:application/pdf;base64,JVBERi0...`) * Accepted file types: PDF, JPEG, PNG, GIF * **Travel Permit:** Both front and back sides must be submitted together ## Implementation Timeline **Preparation Phase** * Update your systems to collect the new mandatory fields * Test your integration in the sandbox environment **Enforcement Date** * New fields become mandatory * API requests without these fields will be rejected with validation errors We strongly encourage you to begin updating your systems **now** to ensure a seamless transition. ## Testing in Sandbox You can test the new requirements in our sandbox environment before the enforcement date: **Sandbox Base URL:** `https://sandbox.access.utgl.io/v1` ## 中文版本 ### 重要更新：個人持卡人KYC要求的強制性變更 **重要提示：** 自 **2026年2月1日 00:00 HKT** 起生效，所有透過 Access API 提交的新個人持卡人帳戶申請將必須符合新的強制性 KYC 要求。 ### 概述 為提升安全性並確保我們符合持續更新的監管標準，我們將對透過 Access API 提交的所有新個人持卡人帳戶申請，實施重要的 KYC 要求變更。 ### 強制性欄位（2026年2月1日 00:00 HKT起生效） 所有個人申請者將必須提供以下欄位： #### 1. 職業 (Occupation) 必須從 `/v1/occupations` API 端點提供的預先定義列表中選擇持卡人的職業。 **API 端點：** [GET /v1/occupations](/api-reference/occupations/get-occupations) #### 2. 職位 (Position) 必須從 `/v1/positions` API 端點提供的預先定義列表中選擇持卡人的職位。 **API 端點：** [GET /v1/positions](/api-reference/positions/get-positions) #### 3. 性別 (Gender) 持卡人的性別。 **可接受的值：** * `MALE`（男性） * `FEMALE`（女性） #### 4. 國籍 (Nationality) 持卡人的國籍，需使用 ISO 3166-1 alpha-2 格式。 **格式：** 兩個字母的國家代碼（例如：`HK`、`US`、`CN`） #### 5. 證明文件 (Supporting Documents) 對於 **非香港 (HK) 國籍** 的申請人，必須提供以下至少一份證明文件。 ### 可接受的證明文件列表 對於 **非香港 (HK) 國籍** 的申請人，您必須提供以下至少一份文件： | 文件類型 | 說明 | | ----------------------- | ------------------------------- | | **香港入境事務處的入境批註 / 登陸標籤** | 香港入境事務處發出的官方入境文件 | | **有效的香港工作簽證** | 當前有效的香港工作許可 | | **僱傭合約** | 香港註冊公司的僱傭合約 | | **薪資單** | 香港公司發出的薪資單，**最近三個月內發出** | | **租賃協議** | 有效的香港住宅租賃協議 | | **地址證明** | 香港地址證明（例如：水電費或電信帳單）**最近三個月內發出** | | **銀行月結單** | 香港銀行月結單，**最近三個月內發出** | | **往來港澳通行證（正面）** | 往來港澳通行證正面 | | **往來港澳通行證（背面）** | 往來港澳通行證背面 | | **最近訪問證明** | 酒店預訂或機票，**最近七天內** | **通行證重要提示：** 必須同時提交 `TRAVEL_PERMIT_FRONT` 和 `TRAVEL_PERMIT_BACK`。僅提交一面的申請將會被拒絕。 **香港國籍** (nationality = `HK`) 的申請人 **無需** 提供證明文件。 ### API 整合範例 當透過 API 為個人持卡人創建卡帳戶時，請在請求中包含這些欄位： ```json theme={null} { "accountType": "INDIVIDUAL", "firstName": "張", "lastName": "三", "dateOfBirth": "1990-01-15", "occupation": "accountant", "position": "senior management", "gender": "MALE", "nationality": "CN", "supportingDocuments": [ { "documentType": "TRAVEL_PERMIT_FRONT", "file": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEAYABgAAD..." }, { "documentType": "TRAVEL_PERMIT_BACK", "file": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEAYABgAAD..." } ] // ... 其他必填欄位 } ``` **API 參考：** [創建卡帳戶](/api-reference/card-accounts/create-card-account) **重要提示：** * `occupation` 和 `position` 的值應從 `/v1/occupations` 和 `/v1/positions` 端點獲取（小寫字串，如 `"accountant"`、`"senior management"`） * `supportingDocuments` 檔案必須**以 base64 編碼**的 data URI 格式提交（例如：`data:application/pdf;base64,JVBERi0...`） * 可接受的檔案類型：PDF、JPEG、PNG、GIF * **往來港澳通行證：** 必須同時提交正面和背面 ### 實施時間表 **準備階段** * 更新您的系統以收集新的強制性欄位 * 在沙盒環境中測試您的整合 **強制執行日期** * 新欄位成為強制性要求 * 缺少這些欄位的 API 請求將被拒絕並返回驗證錯誤 我們強烈建議您 **現在** 開始更新您的系統，以確保順利過渡。