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Document Submission Common Mistakes

Before submitting your company or establishment documents, review this checklist to ensure everything meets the compliance requirements. Following these steps helps avoid delays and rejections during the KYB/KYC review process.

Common mistakes when submitting documents

✅ Do	❌ Avoid
Bank Certificate / Balance: Include account number and date.	Submitting letters without account number or with old dates.
Proof of Address: Use a recent document (within 3 months), government-issued or utility bill.	Using expired documents or the company address instead of the personal address.
Passport / ID: Provide clear, valid copies for all shareholders or managers owning 5 % or more.	Uploading blurry, expired, or cropped images.
Commercial Registration (CR): Ensure it’s valid with visible expiry date and QR code.	Submitting expired CR or missing the parent/contributing company CR.
Article of Association (AOA/MOA): Include all amendments and match shareholder information in the CR.	Providing outdated or incomplete versions.
Audited Financial Statement: Submit the latest certified version with all pages.	Missing or uncertified pages.
IBAN Letter: Ensure it shows the company name and IBAN clearly and is issued within one year.	Submitting letters without company name or older than a year.
SME Certificate: Download from the Monshaat website if audited statements are not available.	Failing to attach the certificate when financials are unavailable.

If you are not sure which document is required, you can review the articles on required documents for companies, required documents for establishments, and the document submission checklist and common mistakes.Make sure to always use PDF format or high resolution images, rename files clearly before uploading, double check expiry dates and matching details, and review all files before submission to avoid repeated feedback.

Updated on: 04/02/2026

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