NextGen ID: Digital identity verification for your client

‘NextGenID’ (NGID) is our digital ID solution within ApplyOnline. It's a quick and simple way for you to initiate a request for your client to digitally verify their identity. 

When using NGID, your client generally only needs to provide an Australian-issued photo ID document to verify their identity. This article guides you through how to use NGID with your clients.

Also see additional resources to support you and your client:

• Digital ID for your Macquarie Broker Home Loan application - an article for you to send to your client to guide them through the NGID process successfully - including the video below.
• NextGenID for Linked Applications and Cloning - including a video stepping you through how to re-use NGID reports for your clients in ApplyOnline.

To use NextGenID (NGID) you’ll need to start an application in ApplyOnline with Macquarie Bank as the lender.

Go to:

1. Applicant tab to complete your client’s full name and mobile number.
2. In the Financial Passport, select Get Started on the NextGenID tile.
3. In the pop-up window, select the applicant(s) and select Request NextGenID to send the SMS to each applicant.

Has your client previously completed NGID with Macquarie?

If your client has previously completed NGID on a Macquarie application with you, and their ID documents are still valid, you may be able to re-use their NextGenID report. This is available for linked applications, clone and resubmit scenarios and subsequent applications for up to 12 months.

NextGenID can be used for all applicant types, including:

• Individuals
• Directors of company loans
• Individual(s) as trustee for Trusts
• Company as trustee for Trusts

When you’re ready to activate the NextGenID request for your client, it’s important you prepare them. To support your client through this change, you can share our Personal Help Centre article with them, which will guide them through the process.

It's important to let them know they:

• will receive an SMS from NextGen with a link to click to start the experience,
• have 72 hours to complete,
• need their physical ID documents ready,
• need to select their photo ID document, which has the same name used in their application.

To keep updated with how your client is progressing, ensure you have updated your back channel message (BCM) preference to include the NextGenID options or log into ApplyOnline to check the status. Each applicant will have a separate NextGenID tile tracking their progress.

Once your client has successfully completed NGID, the status in ApplyOnline will be updated to Completed.

On receipt of the NGID information, you’ll also have the option to pre-fill the Applicant tab’s Identity section with your client’s details. The NGID report will also automatically be uploaded to Supporting Documents and any checklist conditions will be added and verified.

You won’t be able to access their report, it’ll be sent directly to Macquarie once the application is submitted.

The NGID journey is quick, typically taking less than 10 minutes depending on whether your client has their physical ID documents ready when they start the process. Once started, the session will automatically time out after 50 minutes, however applicants generally complete the steps well within this time frame.

Your client can start and stop the application several times, however, it does need to be completed within 72 hours before the link expires.

If the link has expired or your client has cancelled their application, you’ll need to restart NGID to send an SMS.

If your client hasn’t started NGID, or it’s in progress or pending, you can cancel the request by going to the Applicants tab and clicking cancel on the NextGenID tile. You can’t cancel a request if the client has already completed the steps.

Once cancelled, you can re-activate the NGID request for your client by selecting Get Started again in the ‘Financial Passport’ section.

NGID can only be re-activated before submitting the application to us. Once submitted, if we require additional documents to verify your client, NGID can’t be re-activated to retry verification. In some circumstances, you may need to clone and resubmit the application.

There are scenarios where you may need to reactivate the NGID process with your client. These may include when your client:

• has deleted the SMS
• has asked to change their mobile number on the application
• has not completed the NGID process within 72 hours.

Before the link has expired (within 72 hours) you can reactivate by selecting ‘Cancel request’ in ApplyOnline on the NextGenID tile. You will then have the option to re-issue the SMS by selecting ‘Get Started’ again.

After the link has expired (after 72 hours) you can start the NGID process again from the ‘Applicant’ tab.

If you need to clone and resubmit an application and NGID was previously used, you’ll be able to re-use the NGID report.