Summary
A Konfir verification is a structured check of your employment and/or income, created using evidence you consent to share from trusted sources such as HMRC, your bank, or your employer's payroll system.
It gives your verifier a factual, evidence-based result - instead of relying on documents you've uploaded or references written about you - allowing your application process to advance swiftly.
What gets checked
Your verifier decides what they need to confirm. A verification can include:
Employment history - where you've worked, employment dates, and job title (where available). Any gaps in employment are also included.
Income - how much you've earned, over what period, and how consistent that income is. This may also include an affordability check against a minimum threshold set by your verifier.
Most verifications cover one or both of these, depending on what's been requested.
Where the evidence comes from
Konfir connects to official data sources on your behalf:
HMRC - Connect your HMRC online account to share your PAYE employment history
Open Banking - Connect your bank account to share your income and associated employment.
Payroll - Connect your payroll record to share your payroll info & job title.
Documents (SA302) - Upload an SA302 tax calculation document to share your self-employed income.
You don't need to connect every source - only those that are available to you and relevant to your verification.
Who makes the decision?
Konfir does not make decisions about your application - that decision always belongs to your verifier. Konfir reports what can be confirmed from the sources you've connected. Your verifier reviews the result and decides what to do next.
If something can't be verified digitally. Your verifier may then:
Request additional documents, or
Confirm the details through other means