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Apostille, certified copy and legalisation for bank and residence files

Any document that crosses a jurisdictional border has to be recognised by the receiving side: a Spanish bank, an Emirati registrar or a Hong Kong company secretary is under no obligation to trust the seal of a foreign authority on faith. The apostille and consular legalisation are the two mechanisms of that recognition. Below we set out how they differ, where an apostille is actually needed in practice, and what most often derails timelines on banking, residence and transactional files.

Concept

An apostille is the standard certificate by which parties to the 1961 Hague Convention recognise each other's public documents directly, without the consular chain. It confirms the signature, the capacity of the signatory and the authenticity of the seal or stamp on the document. The apostille does not verify the content of the document itself — that is the responsibility of whoever accepts it.

This is decisive for banking, residence and transactional work: an apostille makes a document acceptable in form, but a bank or an immigration authority still checks the validity period, the translation, the content, the source of the document and its applicability to the specific procedure.

Apostille, certified copy or consular legalisation: what to choose

FormatWhen it is needed
Apostillethe document is issued in a party to the Hague Apostille Convention and used in another party
Certified copythe receiving side does not retain the original, or asks for the corporate pack as a certified true copy
Sworn translationthe document is filed with an authority that accepts only the language of its own jurisdiction
Consular legalisationthere is no apostille between the countries, or the receiving country requires the consular chain

Where an apostille is most often needed

Banking. Certificate of Incorporation, Articles, Certificate of Good Standing, corporate resolution, power of attorney, bank reference, proof of address, UBO documents.

Migration. Criminal-record certificate, marriage certificate, birth certificate, diploma, medical certificate, documents on income and dependent family members.

Transactions. Power of attorney for the deal, corporate resolutions, register extracts, court documents, title documents.

Country-by-country practical logic

Hong Kong. The apostille is issued by the High Court of Hong Kong. For corporate documents you often first need a certified copy from the Companies Registry or from a professional secretary.

United Kingdom. Legalisation goes through the FCDO Legalisation Office. For corporate documents it is important to establish in advance whether the original, a notarial copy or a Companies House certificate is the one to be apostilled.

Spain. Spanish procedures often require a sworn translation / traducción jurada. If the document is foreign, the usual order is an apostille in the country of issue first, then a sworn translation into Spanish.

United States. State documents are usually apostilled by the Secretary of State of the relevant state; federal documents by the U.S. Department of State.

China. The Convention entered into force for mainland China on 7 November 2023 (in Hong Kong and Macau the apostille already applied earlier) and replaced consular legalisation with a single certificate. This simplified document flow, but banks and authorities may still require a translation, a certified copy and additional confirmations. More detail in the material on a company in China.

Common mistakes

  • The original is apostilled, though the bank asked for a certified copy.
  • The translation is done before the apostille, while the authority expects a translation of the already-apostilled document.
  • A criminal-record certificate is used after its validity has expired, on the assumption that the apostille "renewed" the document.
  • The country of issue and the country of use are not checked against the list of parties to the Convention.
  • Notarial certification, apostille and consular legalisation are confused with one another.
  • A corporate pack is sent without a resolution or without proof of current status.

Cases from practice

The bank asks for a certified copy, not the original

The client prepared an apostille on the original certificate. The bank wanted a certified copy of the whole corporate pack. We rebuild the chain around the bank's checklist, not around "the usual way".

Spanish residence and the translation

The criminal-record certificate was apostilled, but the translation was done by an ordinary translator. Spain needs a sworn translation or a format that the specific consulate / UGE will accept.

"an apostille on an expired certificate"

The client brought a criminal-record certificate that had already fallen outside the immigration validity window. An apostille does not solve this: a new document has to be obtained and the filing timeline rebuilt from scratch.

Timelines, translation and cost

The order of steps matters more than speed. The document is first brought to the required primary form — original, notarial copy or register certificate — then apostilled, and only then translated, if the authority requires a translation of the already-apostilled document. A muddled sequence remains the most common cause of rework. Timelines and fees depend on the country: the UK FCDO Legalisation Office charges around £45 per document for the standard service (about £35 for an electronic apostille) and processes it in two to three weeks; in the United States a state document is apostilled by the Secretary of State and a federal one by the U.S. Department of State.

Translation follows its own logic. Many jurisdictions accept only a translation into their own official language and only from an accredited specialist: for Spain this is a traducción jurada (sworn translation), and for a number of countries a translation certified at a consulate or before a local notary. A translation by an ordinary translator is often turned away even when the apostille itself is flawless.

The electronic apostille and authenticity checks

The apostille is gradually moving to digital form. Since 2006 the HCCH has been developing the electronic Apostille Programme (e-APP), which has two parts: the e-Apostille — an apostille in digital form, equal in force to the paper one — and the e-Register — a public online register where the receiving side verifies an apostille's authenticity in real time by its number. At least one component is already used by more than fifty jurisdictions; the United Kingdom, for example, issues electronic apostilles alongside paper ones. Before filing, it is worth checking whether the country of issue maintains an e-Register: this removes questions from the bank at the compliance stage.

How this is changing

The membership of the Convention keeps expanding: by 2026 it has around 129 states, and the list continues to grow. After the accession of China (2023) and Canada (2024), the procedure is now being completed by, among others, Algeria and Vietnam — for whom the Convention enters into force in 2026. Until it enters into force between a specific pair of countries, consular legalisation still applies, so when planning a pack check the current status of both jurisdictions on the HCCH list rather than the date of accession or general lists on the internet.

Frequently asked questions

Does an apostille confirm that a document is truthful?

No. It confirms the formal details of a public document. The content is checked by the authority, bank or counterparty that accepts the document.

Can an apostille be obtained in the receiving country?

Usually not. An apostille is issued by the competent authority of the country where the document was issued.

Does the translation need an apostille?

It depends on the country and the procedure. Spain often accepts a traducción jurada; in other cases a separate certification of the translation may be required.

How do you check who issues the apostille?

Through the HCCH competent authorities for the specific country. Do not rely on old instructions from forums: the competent authority may differ by document type.

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