A Penny Drop is one of the most elegant ways to prove that a bank account really belongs to you. No document uploads, no waiting days for manual review — just a real 10-cent payment that the banking system itself verifies.
Why it works
To send the payment, you have to log into your online banking with 2FA. That login is the proof — no one else can make it happen.
Step by step
📧1. EmailYou receive a "Verify me" email from Wickie.
📱2. StartTap "Start verification" → Continue.
🤳3. CameraAllow front-camera access for liveness.
🏦4. BankPick your country and bank.
💶5. 10 ¢Complete the payment via your bank's login.
✅6. DoneAccount verified shortly after.
Before you start
📧Email at handMake sure you can open the Wickie email on the same device.
🔐Online bankingLogin + 2FA ready (app, SMS, or hardware token).
💶10 centsHave at least a few euros on the account — the 10 ¢ is real.
⏱️3 minutesThe whole flow typically takes under three minutes.
Why Wickie uses this
Document uploads can be forged. A real payment — sent from your real bank login — cannot. The Penny Drop lets Wickie meet Swiss AML/KYC requirements quickly and gives you a verified account the same day.
One account at a time
Stick to one Penny Drop at a time. Starting multiple flows in parallel can confuse the matching logic. If a verification fails, wait until it clears before retrying.
Next step
Once your bank account is verified, you can buy, sell, and transfer crypto or euros freely. The next tutorial shows how to export your statement for tax season.