Recently I've been doing some banking paperwork in which i had to submit my proof of income. I work as a freelance graphic designer on Fiverr Freelance Marketplace and Istockphoto, so i wonder How to request Fiverr to send me Certificate of Earning or Proof of Income letter so that i can show it to the bank.
Neither Fiverr nor istockphoto are your employers so they aren't obligated to track your earnings or send you records. It's up to you to maintain income records.
Since these sites are not your employers no bank should need anything from them. The bank is treating you like a "employee" of these sites, which you are not. You are self-employed even if you use sites like fiverr and istockphoto to sell your merchandise/services.
What the bank wants to see is a record of earned income... this is customarily done via tax returns for the last few years. You can also take your records from the bank and highlight deposits from these companies to further verify your income.
I've never used fiverr. So, I'm not 100% sure about their payout method. But I do know istock simply deposits funds into your account when you ask for them.
There are a couple of options, depending on what the bank will accept.
Download (if the website makes this available) or create your own invoices which detail who the client is, what the job was for, the date and the amount.
Example (from http://www.wordmstemplates.com):
If your business has a set of accounts for the last year(and if you're freelancing, then you have a business, even if it's just you), then you can use those as proof of income. Usually you'll need a set of (basic) accounts to do your taxes, even if it's just a list of
incomes - expenses. Sometimes banks will need your accounts to be signed off by a registered accountant, depending on what they need the proof for.
I prepare my own accounts (not a registered accountant) and I have found that banks are usually okay with them. The only case where they wanted them signed off was when I was applying for a particularly large loan.
Getting your accounts signed is easily enough. I approached an accounting firm and they signed mine off for a small fee.
I have used both of the above (Invoices and Accounts) as proof before, and they were accepted both by my local revenue office and bank without any issues. However, if you have issues:
Letter from the website
Some websites offer a certificate of earnings, like upwork, it would be a matter of contacting the freelancer support and asking them if they do too.
If you use a platform that tracks all your invoices by customer, you can provide a paper/electronic copy of the report that this platform provides as this can also be used for your tax purposes (ie, income earned for income tax reporting purposes). Since this is used for tax purposes, the bank can also use that for credit purposes (or the resulting tax return from the previous year).