From the land of chops over the land of 100 points to the land of fingerprints

(by Achim)

Every country has its own peculiarities when it comes down to how you can sign contracts or open a bank account.

Let’s start with China, the land of chops: The most important instrument in China to sign a contract is a chop.  The definition of a chop is: Cut (something) into small pieces with repeated sharp blows using an ax or knife. That is not what it is. A chop is basically a stamp that is used within companies to sign contracts instead of a signature. Chops are unique and usually carry the signatories name and it is highly illegal to copy a chop and sign documents with a copied version. How this really works out in the land that is known for counterfeiting almost everything is still a miracle to me. I don’t think this system would work in a Western country because everybody would just copy the stamp. Still remember those days when we copied the stamps they give you at the entrance to nightclubs? Maybe that’s where the definition of chop comes back in ….

Typical Chinese chops

Typical Chinese chops

Australia, the land of 100 points: In order to open a bank account, get your driver’s license, apply for visas and residency, get a phone you need to bring proof of your identity of altogether 100 points. This is usually a mix of documents carrying your picture, birthdate, residential address etc. When you leave the country this whole process is quite easy. But when you move to Australia and you are asked to prrof your residential address with a utility bill…..

Here is the example of options that was provided with our citizenship application

100 points

100 points

Chile – the land of RUT,  fingerprints and notaries: The most important number in Chile is your RUT. RUT stands for Rol Único Tributario and is a unique national identification number which is then used as a number for taxes, social insurance, passport, driver’s license, for employment, etc. More importantly you need it to get a phone contract, by a car, rent a house, get a bank account and a credit card etc. The problem being that you only receive this number as a foreigner when your visa is approved, which usually takes about 3 month. The work around is to use your RUN (Rol Único Nacional) which only takes approximately 6 weeks to get. However, you can’t use your RUN for everything and if you used it you have to change all documents, bank accounts to your RUT, which is an easy but time consuming process. Luckily for us, my company applied for my visa already last year, so we already have our permanent RUT and only had to change our bank account details but nothing else.

In order to get your RUT you have to leave fingerprints of all your 10 fingers at the government registry. And that is not electronic fingerprints, but the good old fashioned one with ink. I’m looking forward to doing that process with a 22 month old toddler! The result is a plastic identity card that includes your thumb print: most valuable piece of plastic I own now!

The thumb print in general is a very important part of lots of contracts. It is quite common that you don’t only have to sign a contract, but as well proof your identity with a thumb print. I have not yet figured out which contracts require a thumbprint and which ones don’t. It seems quite random.

I guess the system is in principle much better than the Chinese chop system. But I’ve never seen anybody having the tools to compare the thumb prints of the contract with the thumb print of my RUT card. Only the bank used once an electronic fingerprint reader when I wanted to withdraw money. At least you can proof that it wasn’t your thumb that signed the contract when things go wrong!

And I almost forgot to mention the notary: Most of the contracts (like e.g. rental contracts) do not only require thumbprints, RUT number but as well have to be legalized by a notary: for the fee of generally 6,000 CLP (appr. 12 USD). The queues are generally long and this must be the most boring job ever for a lawyer. But I’m sure the income they have is quite nice, considering that almost every legal document has to be notarized.

Typical Chilean contract - signature, fingerprints and notary

Typical Chilean contract – signature, fingerprints and notary

Let’s see what the next country brings…