Does fomo require KYC?

When fomo checks who you are

KYC stands for “know your customer”: a check of your identity, usually with a government ID. Here is when it happens on fomo.

What you are doing	ID check?	Who runs it
Signing up	No. Apple ID or Google account only
Buying and selling tokens	No
Depositing or withdrawing USDC by crypto	No
Withdrawing to a US bank	Yes, the first time	Spritz
Depositing from a US bank (ACH)	Yes, the first time; the same check covers withdrawals	fomo’s bank transfer partner
Apple Pay deposit	Sometimes: a phone code, a wallet confirmation or an ID check	The payment provider
Debit card deposit	Sometimes, including a screen asking for a tax ID number	The card payment provider
Perps (not for US persons)	Reserved: fomo “may require” KYC	fomo
Referral or creator reward payouts	Reserved: fomo “may request identity, ownership, tax” information	fomo

Sources: fomo’s help centre and Terms of Service, read 10 November 2026.

Bank withdrawals and deposits: Spritz

fomo says identity verification and bank withdrawals “are handled by our partner Spritz. fomo does not collect or store your verification documents.” The first time you choose Withdraw, then Bank account, the app takes you through it. You need a valid, non-expired government-issued ID such as a passport or driver’s licence.

The most common reasons for a rejection, per fomo: an expired ID, a photo that was unclear or cut off, or an ID type that is not accepted, such as a school or military ID. If the screen offers Try again, retry with a valid document. If it offers Contact support, that button emails Spritz with fomo copied, and Spritz handles it. Verification links and bank-connection sessions expire, so finish the steps without long pauses.

Bank features are for US bank accounts only. Outside the US you withdraw USDC to a crypto wallet or exchange instead, with no ID check from fomo; the exchange will usually run its own.

Card and Apple Pay: the provider’s check, not fomo’s

Card and Apple Pay deposits go through a third-party payment provider. That provider can ask you to verify a phone number by text, confirm the wallet is yours, complete an identity check, or enter a tax identification number. fomo says these checks are on the provider’s side, so it “cannot see or clear” them. If a deposit sits on “Verification pending”, there is nothing to resubmit; use another deposit method in the meantime. Sending USDC needs no check at all.

Perps and rewards: reserved, not routine

fomo’s terms (section 10) reserve the right “to require identity verification and/or know-your-customer (‘KYC’) documentation as a condition of accessing Perps”, and say fomo “may require identity, residency, beneficial ownership, and location verification before enabling Perps”. For referral and creator rewards, section 8.2(i) says fomo may request “identity, ownership, tax, eligibility, or other compliance information” and hold payouts until it gets them. We found no help article saying these checks are currently routine.

No KYC does not mean anonymous

Skipping an ID check at sign-up is not the same as being anonymous:

• Your account is tied to your Apple or Google account, which is usually tied to your name, phone and payment details.
• Every trade, deposit and withdrawal is on a public blockchain under your wallet addresses. fomo’s terms note that “public blockchain records may remain available after an account or app record is deleted”.
• Every trade on fomo also appears in its social feed, where other users can see it.
• Taxes are your responsibility whether or not anyone checked your ID. See fomo taxes and trade history.

Age

You must be at least 18 and of legal age where you live (Terms, section 1). The bank-withdrawal ID check confirms your age.

Next: how to withdraw walks through the bank route step by step. JomoBench is unofficial and never asks for your ID or documents.