No, Once you have signed up to Kinesis Money, you will receive an email to verify your account.
This is the first step to unlocking the full potential of Kinesis Money, until this has been completed, users will be limited to viewing aspects of Kinesis Money, but will be unable to utilise them.
There are various other aspects of the Kinesis Money app that will not be available until you have initiated and passed 'know your customer' (KYC) checks.