This article provides an overview of the NextGen ID (NGID) Financial Passport service in ApplyOnline (AOL).
What is NextGen ID (NGID) Financial Passport?
NextGen ID (Financial Passport) is a third-party digital identity verification tool available in selected lenders’ ApplyOnline forms.
It supports the Verification of Identity (VOI) process and is:
Fast
Secure
Free for brokers and applicants
Where is NextGen ID located in ApplyOnline?
NextGen ID is found in:
The Applicants tab
Under the Identification section
Click Get Started to initiate the process.
If the NextGen ID service is not visible, the lender has not enabled this feature.
Is NextGen ID mandatory?
For most lenders, NextGen ID is recommended but not mandatory.
Some lenders (e.g. CBA) require NextGen ID. Where mandatory, it will be marked as Required in the application.
What does the applicant receive?
When initiated:
The applicant receives a secure SMS to their registered mobile number.
The SMS contains a link to access the NextGen platform.
The applicant is guided step-by-step through the digital identity verification process.
Applicant did not receive the SMS
If the applicant does not receive the SMS:
Confirm the mobile number entered in the Applicants tab is correct.
Ensure there are no formatting errors.
If the applicant is overseas, NextGen ID may not be available. You will need to use an alternative VOI method accepted by the lender.
What happens after completion?
Once the applicant completes the process:
The status updates to Completed.
The NextGen ID VOI document appears in the Documents tab in ApplyOnline.
Can I cancel a NextGen ID request?
Yes.
Click Cancel Request. Once confirmed, the button will revert to Get Started.
Status remains “Pending”
If the applicant confirms completion but the status remains pending:
Ask the applicant to confirm they completed all steps.
Allow time for system updates.
The status should update to Completed, and the VOI document will populate in the Documents tab.
If it does not update within a reasonable timeframe:
Contact the Mercury Helpdesk; or
Select Talk to a person in chat for escalation to NextGen.
“Get Started” button not available
The Get Started button will not appear if:
The application has been submitted; and
A Lender Reference Number (LRN) has been assigned.
NextGen ID cannot be initiated after successful submission.
Reusing a completed NextGen ID
From 24 February 2025, a completed NextGen ID can be reused for subsequent applications if:
The customer applies through the same broker and brokerage firm.
The previous NextGen ID was completed with a Pass outcome.
It was completed within the last 6 months.
The ID documents are still valid and not expired.
If these conditions are not met, a new NextGen ID must be requested.
Can I download the completed NextGen ID document?
No.
NextGen ID documents:
Are automatically uploaded into ApplyOnline;
Are sent directly from NextGen to the lender;
Cannot be downloaded from ApplyOnline.
Can NextGen ID be used for overseas applicants?
No.
NextGen ID cannot be used if the applicant is overseas.
You must follow the lender’s alternative VOI process.
“NextGen ID limit exceeded” error
If you receive a limit exceeded error:
The document can no longer be reused.
Even if ID details change (e.g. licence renewed), the same document cannot be used.
You must:
Use an alternative ID document; or
Start a new application if you wish to use the same ID type.
Best practice tips
Confirm mobile numbers before initiating.
Check lender requirements before submission.
Complete NextGen ID before submitting to avoid lockout.
Monitor status updates prior to lodgement.
Need help?
If you need assistance with NextGen ID in ApplyOnline, contact your Partnership Manager or email [email protected].