[Kurashima]

Its all about unusual spending patterns. If youre a high wealth customer, you cant get direct debits setup on your account without proper verification, if youre a low wealth customer, any spending thats deemed to be outwith your usual spending pattern *hint : this is why your bank asks you to let them know when youre going on holiday* flags and can result in temporary blockage.

JJ is right in that fraudsters, once they have ID details , go after your account again and again. Most banks recognise serious cases and shutdown / reopen your account in the space of a week. Some very crap banks, and card retailers with high interest rates / low customer service quality, will rabbit on about customer protection, and then make you prove your blood type before even considering a claim about ID theft *Capital One*.

All they need is your full name, postal code, and date of birth. After that, almost everything they need is on the internet.