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 verify their identity digitally.

When using NGID, your client generally only needs to provide one 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 (includes the video below).
• NextGenID for Linked Applications and Cloning - steps you through how to re-use NGID reports for your clients in ApplyOnline.

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

1. Go to the 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 an SMS to each applicant with a link to start the ID process.

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.

NGID can be used for all applicant types, including:

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

When you’re ready to activate the NGID 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 your client know they:

• will receive an SMS from NextGen with a link to click to start the experience,
• have 72 hours to complete the request,
• need their physical ID documents (e.g. Australian passport or driver’s licence) 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 NGID options.

Alternatively, 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 of the NGID request in ApplyOnline will be updated to Completed.

On completion of the NGID, 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 typically takes 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.

Your client can start and stop the application several times, but 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 by selecting Get Started again in the Financial Passport section.

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.

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 in ApplyOnline on the NextGenID tile. You will then have the option to re-issue the SMS by selecting Get Started again in the Financial Passport section.

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

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

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