Personal Data in the Banking Context

Definition Under the Data Protection Act

Personal data means any information relating to an identified or identifiable natural person (data subject).

A person is identifiable if they can be identified, directly or indirectly, by reference to an identifier such as a name, ID number, location data, or online identifier.

Categories of Personal Data Held by Banks

Basic Identity Data

• Full name
• National ID number (Omang)
• Date of birth
• Nationality and citizenship status
• Passport number

Contact Data

• Physical address
• Email address
• Phone number(s)
• Next of kin details

Financial Data

• Account numbers and balances
• Transaction history
• Credit scores and credit history
• Loan details and repayment history
• Investment portfolio details
• Salary and income information

Sensitive Personal Data (Requiring Extra Protection)

• Biometric data (fingerprints for KYC)
• Health information (for insurance products)
• Tax identification numbers
• Beneficial ownership information

Behavioural Data

• Transaction patterns and spending habits
• Online banking usage patterns
• Location data from ATM/card transacti