{"id":36684,"date":"2026-03-17T07:18:41","date_gmt":"2026-03-17T06:18:41","guid":{"rendered":"https:\/\/figsflow.com\/uk\/?p=36684"},"modified":"2026-03-17T07:18:59","modified_gmt":"2026-03-17T06:18:59","slug":"how-much-is-an-aml-check-in-uk","status":"publish","type":"post","link":"https:\/\/figsflow.com\/uk\/how-much-is-an-aml-check-in-uk\/","title":{"rendered":"How Much Is an AML Check? (2026 UK Guide)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"36684\" class=\"elementor elementor-36684\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64f892f e-flex e-con-boxed e-con e-parent\" data-id=\"64f892f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f19b03c elementor-widget elementor-widget-text-editor\" data-id=\"f19b03c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AML checks are not optional. They are not a nice-to-have. And if you are running an accounting or bookkeeping practice in the UK, they are your legal responsibility.<\/p><p>So what do they actually cost?<\/p><p>A standard AML check in the UK costs anywhere from \u00a32.00 to \u00a36.00 per check, depending on the software you use. Some providers bundle checks into packages. Others charge a monthly platform fee on top. A few offer pay-as-you-go.<\/p><p>With FigsFlow, an AML check costs \u00a32.10 + VAT. That is it.<\/p><p>But before we get into the numbers, let us make sure we are all talking about the same thing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c2089f elementor-widget elementor-widget-heading\" data-id=\"8c2089f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is an AML Check? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8041d1c elementor-widget elementor-widget-text-editor\" data-id=\"8041d1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AML stands for Anti-Money Laundering. An <a href=\"https:\/\/figsflow.com\/uk\/what-is-an-aml-check\/\" target=\"_blank\" rel=\"noopener\">AML check<\/a> is the process of verifying that your client is who they say they are, and that they are not on a sanctions list, a politically exposed persons register, or flagged for financial crime.<\/p><p>For accountants, tax advisors, and bookkeepers in the UK, this is not optional. AML checks are part of your Know Your Client (KYC) obligations. You are required by law to verify your clients before providing regulated services.<\/p><p>The reason is straightforward. Your practice can be used, knowingly or unknowingly, to facilitate financial crime. An AML check is your first line of defence against that.<\/p><p>Every check answers one question: can I actually act for this person?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80a7dce elementor-widget elementor-widget-heading\" data-id=\"80a7dce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Does an AML Check Include? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07677bf elementor-widget elementor-widget-text-editor\" data-id=\"07677bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A proper AML check covers three things.<\/p><ul><li><strong>Identity Verification<\/strong> <br \/>Confirming that your client is a real person and that the document they have provided matches who they claim to be. Modern software does this biometrically, via a selfie and a photo ID, without any manual review needed on your end.<br \/><br \/><\/li><li><strong>PEP &amp; Sanctions Screening<\/strong> <br \/>Checking your client against <a href=\"https:\/\/figsflow.com\/uk\/enhanced-due-diligence-on-politically-exposed-persons\/\" target=\"_blank\" rel=\"noopener\">politically exposed persons<\/a> databases and global sanctions lists. If a client appears on either, you need to know before you onboard them, not six months in.<br \/><br \/><\/li><li><strong>Ongoing Monitoring<\/strong> <br \/>A one-time check at onboarding is not enough. Circumstances change. Good AML software monitors your clients continuously and alerts you if their risk profile changes.<\/li><\/ul><p>Some providers include all three as standard. Others charge separately for ongoing monitoring. Check what you are actually getting before you commit to a platform.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbe2cd9 e-flex e-con-boxed e-con e-parent\" data-id=\"dbe2cd9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f46e8a3 elementor-widget elementor-widget-heading\" data-id=\"f46e8a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is an AML Check Mandatory for Accountants in the UK? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e89cc7a e-flex e-con-boxed e-con e-parent\" data-id=\"e89cc7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5d24d1 elementor-widget elementor-widget-text-editor\" data-id=\"a5d24d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you provide accountancy, tax, or bookkeeping services in the UK, you fall under the <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2017\/692\" target=\"_blank\" rel=\"noopener\">Money Laundering Regulations 2017<\/a>. That means you are legally required to conduct Customer Due Diligence (CDD) on every client before you begin working with them.<\/p><p>This applies whether you are a sole trader running a small bookkeeping practice or a partner at a mid-sized accountancy firm. Size does not matter. Turnover does not matter. The obligation is the same.<\/p><p>Your supervisory body, whether that is ICAEW, ACCA, AAT, or HMRC, expects you to have documented AML procedures in place. If you are inspected and you cannot demonstrate that you have been checking clients, the consequences are serious.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6da5891 elementor-widget elementor-widget-heading\" data-id=\"6da5891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Happens If I Do Not Carry Out AML Checks? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b365b3 elementor-widget elementor-widget-text-editor\" data-id=\"6b365b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Two things. Regulatory penalties and reputational damage. Neither is recoverable quickly.<\/p><p>The FCA and HMRC have both issued significant fines to firms that failed to meet their AML obligations. We are not talking about minor administrative penalties. Fines run into the tens of thousands. In serious cases, firms have had their licences revoked.<\/p><p>Beyond the financial hit, there is the client fallout. If it comes out that your firm onboarded a client without proper due diligence and that client was later implicated in financial crime, your firm&#8217;s name is attached to that story.<\/p><p>The question is never really &#8220;can I afford to do AML checks?&#8221; It is &#8220;Can I afford not to?&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e12308 elementor-widget elementor-widget-heading\" data-id=\"3e12308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who Is Responsible for Conducting AML Checks? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df95b9e elementor-widget elementor-widget-text-editor\" data-id=\"df95b9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In a sole trader practice, the answer is simple: you.<\/p><p>In a firm with multiple staff, responsibility sits with the nominated officer, often called the <a href=\"https:\/\/figsflow.com\/uk\/role-of-money-laundering-reporting-officer\/\" target=\"_blank\" rel=\"noopener\">Money Laundering Reporting Officer (MLRO)<\/a>. This person is responsible for overseeing AML compliance across the practice, reviewing flagged cases, and reporting suspicious activity to the National Crime Agency if needed.<\/p><p>That does not mean the MLRO runs every check manually. The day-to-day process of collecting client ID, running checks, and storing results can and should be handled by software. But the oversight, the sign-off, the escalation decisions, those belong to a named person in your firm.<\/p><p>If you do not have an MLRO appointed, that is the first thing to fix.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66aca67 elementor-widget elementor-widget-heading\" data-id=\"66aca67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When Should I Carry Out an AML Check? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771ede1 elementor-widget elementor-widget-text-editor\" data-id=\"771ede1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AML checks must be completed before you begin acting for a client. Not after the initial meeting. Not once the engagement has been agreed. Before any regulated work begins.<\/p><p>Certain circumstances also require you to re-verify an existing client. These include a significant change in the scope or nature of the work, a change in ownership or control of a business, or any transaction that appears unusual given what you know about that client.<\/p><p>The most effective practices treat AML checks as a built-in stage of onboarding rather than a standalone compliance task. Embedded in your workflow, it takes minutes. Left as an afterthought, it creates gaps in your records and exposure in your practice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3421d7c elementor-widget elementor-widget-heading\" data-id=\"3421d7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do I Need to Re-Check Existing Clients? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d3cd32 elementor-widget elementor-widget-text-editor\" data-id=\"0d3cd32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, in certain circumstances.<\/p><p>If a client&#8217;s circumstances change materially, if there is a change in beneficial ownership, if you start providing a new category of service, or if something about their activity raises a concern, you are expected to refresh your due diligence.<\/p><p>Some firms run periodic reviews on all clients, typically annually, as a matter of policy. This is good practice and, more importantly, it is defensible. If your supervisory body ever asks how you manage ongoing CDD, &#8220;we review all clients annually and run checks on material changes&#8221; is a much better answer than &#8220;we checked them when they joined.&#8221;<\/p><p><a href=\"https:\/\/figsflow.com\/uk\/top-6-aml-software-for-accountants-in-2025\/\" target=\"_blank\" rel=\"noopener\">Good AML software<\/a> makes this easy. Ongoing monitoring means you are not manually re-running checks. The software flags changes. You review. You document. Done.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-646e4af elementor-widget elementor-widget-heading\" data-id=\"646e4af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Do AML Checks Cost Across Different Software Providers? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39cbcba elementor-widget elementor-widget-text-editor\" data-id=\"39cbcba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is where it gets interesting.<\/p><p>Pricing across UK AML software varies more than you would expect for what is essentially the same underlying service. Here is an honest look at what the market looks like right now.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-657a983 bdt-hide-entries-on-mobile-yes elementor-widget elementor-widget-bdt-table\" data-id=\"657a983\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdt-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"bdt-table bdt-overflow-auto \" id=\"bdt-table-657a983\">\n\n\n\t\t\t<table>\n  <thead>\n    <tr>\n      <th>Provider<\/th>\n      <th>Cost Per Check<\/th>\n      <th>Pricing Model<\/th>\n      <th>Notes<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td>FigsFlow<\/td>\n      <td>\u00a32.10 + VAT<\/td>\n      <td>Per check + platform fee (\u00a38\u2013\u00a310\/mo + VAT)<\/td>\n      <td>Biometric ID, PEP and sanctions screening, ongoing monitoring. AML built into end-to-end onboarding.<\/td>\n    <\/tr>\n    <tr>\n      <td>IRIS Elements<\/td>\n      <td>\u00a32.50 (UK) \/ \u00a33.75 (international) + VAT<\/td>\n      <td>Per check + annual licence (~\u00a3250\/yr)<\/td>\n      <td>Annual licence adds to the total cost. Better value for domestic-heavy client bases.<\/td>\n    <\/tr>\n    <tr>\n      <td>Creditserve<\/td>\n      <td>\u00a32.50\u2013\u00a35.00 + VAT<\/td>\n      <td>Bundle packages (25, 100, 250 checks)<\/td>\n      <td>25 checks at \u00a35.00 each; 250 checks drop to \u00a32.50 each. Works well for predictable onboarding volumes.<\/td>\n    <\/tr>\n    <tr>\n      <td>AML Search<\/td>\n      <td>\u00a34.00 (subscription) \/ \u00a35.00 (PAYG) + VAT<\/td>\n      <td>Subscription (\u00a320\/mo) or pay-as-you-go<\/td>\n      <td>Business\/entity checks: \u00a38\u2013\u00a310. Worth noting for practices with corporate clients.<\/td>\n    <\/tr>\n    <tr>\n      <td>Thirdfort<\/td>\n      <td>Included in plan<\/td>\n      <td>From \u00a383\/mo (Essentials plan)<\/td>\n      <td>Combines AML with Source of Funds via Open Banking. Built for property-adjacent practices. May be more than a standard accountancy practice needs.<\/td>\n    <\/tr>\n    <tr>\n      <td>Veriphy<\/td>\n      <td>\u00a32.50\u2013\u00a36.00 + VAT<\/td>\n      <td>Per check, tiered by complexity<\/td>\n      <td>Wide range from basic data checks to complex international reports. Better suited to cross-border practices.<\/td>\n    <\/tr>\n    <tr>\n      <td>SmartSearch<\/td>\n      <td>Custom pricing<\/td>\n      <td>Enterprise packages (from ~\u00a3399 + VAT)<\/td>\n      <td>Built for higher volume and complex use cases. Not typically suited to small or mid-sized practices.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73d31ee e-flex e-con-boxed e-con e-parent\" data-id=\"73d31ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afd6c68 elementor-widget elementor-widget-text-editor\" data-id=\"afd6c68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>All prices + VAT. Correct as of 2026. Always verify pricing directly with the provider.<\/strong><\/em><\/p><p>The honest summary: most practices doing standard UK client onboarding will find everything they need in the \u00a32.00 to \u00a33.00 per check range. The more you pay, the more you tend to be paying for either volume flexibility, international coverage, or features you may not actually use.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29838e6 e-flex e-con-boxed e-con e-parent\" data-id=\"29838e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e0e515 elementor-widget elementor-widget-heading\" data-id=\"1e0e515\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is the Cheapest AML Check in the UK? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e64c16a elementor-widget elementor-widget-text-editor\" data-id=\"e64c16a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Based on current pricing, <a href=\"https:\/\/figsflow.com\/uk\/\" target=\"_blank\" rel=\"noopener\">FigsFlow<\/a> offers one of the most competitive per-check rates in the UK at \u00a32.10 + VAT, with no trade-off on what is included.<\/p><p>That matters because cheap does not always mean cost-effective. A low per-check price that sits inside a clunky platform, requires manual data entry, or does not include ongoing monitoring, will cost you more in time than it saves you in money.<\/p><p>With FigsFlow, the AML check sits inside a complete client onboarding workflow. You send the request, the client completes verification on their phone in minutes, and the results are stored automatically against their record. There is no chasing, no manual filing, and no separate compliance tool to log into.<\/p><p>For a practice onboarding even ten new clients a month, the time saving alone justifies the platform fee. The AML check cost is almost beside the point.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0214cc6 elementor-widget elementor-widget-heading\" data-id=\"0214cc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-def5146 elementor-widget elementor-widget-text-editor\" data-id=\"def5146\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AML checks are not expensive. They are not complicated. And with the right software, they are not time-consuming either.<\/p><p>At \u00a32.10 per check, the cost of staying compliant is less than a coffee. The cost of ignoring it is an enforcement notice, a fine, or worse, a client relationship that quietly exposes your firm to financial crime.<\/p><p>The practices that build AML into their onboarding process now will scale cleanly. The ones that keep treating it as a separate task will keep falling behind, one missed check at a time.<\/p><p>FigsFlow makes the whole thing take under ten minutes of your time. The client does the work. You get the result. Your records stay clean.<\/p><p>That is not just compliance. That is how a modern practice runs.<\/p><p>Ready to run your first AML check? <a href=\"https:\/\/app.figsflow.com\/signup?utm_source=website\" target=\"_blank\" rel=\"noopener\">Get started with FigsFlow today.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-235f676 elementor-widget elementor-widget-heading\" data-id=\"235f676\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e66fe elementor-widget elementor-widget-bdt-accordion\" data-id=\"18e66fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdt-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-container\">\n\t\t\t<div id=\"bdt-ep-accordion-18e66fe\" class=\"bdt-ep-accordion bdt-accordion\" data-bdt-accordion=\"{&quot;collapsible&quot;:true,&quot;multiple&quot;:false,&quot;transition&quot;:&quot;ease-in-out&quot;}\" \t\tdata-settings=\"{&quot;id&quot;:&quot;bdt-ep-accordion-18e66fe&quot;,&quot;activeHash&quot;:&quot;no&quot;,&quot;activeScrollspy&quot;:null,&quot;hashTopOffset&quot;:false,&quot;hashScrollspyTime&quot;:false,&quot;closeAllItemsOnMobile&quot;:false}\">\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-how-long-does-an-aml-check-take\"\n\t\t\t\t\t\t\tdata-accordion-index=\"0\" data-title=\"how-long-does-an-aml-check-take\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHow long does an AML check take? \t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>With modern software, the client-facing part takes two to three minutes. They receive a link, upload their ID, complete a biometric selfie, and the results come back automatically. You do not need to be involved in real time. By the time you sit down to review a new client, the check is already done.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-can-i-do-aml-checks-manually\"\n\t\t\t\t\t\t\tdata-accordion-index=\"1\" data-title=\"can-i-do-aml-checks-manually\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCan I do AML checks manually? \t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Technically, yes. You can ask clients to send copies of their passports or driving licences, run their names through a free sanctions list, and store the results in a folder. Practices did this for years.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-is-vat-charged-on-top-of-aml-check-costs\"\n\t\t\t\t\t\t\tdata-accordion-index=\"2\" data-title=\"is-vat-charged-on-top-of-aml-check-costs\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tIs VAT charged on top of AML check costs? \t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Yes. AML check pricing is typically quoted exclusive of VAT. Factor in 20% on top when budgeting.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-do-aml-checks-cover-business-clients-as-well-as-individuals\"\n\t\t\t\t\t\t\tdata-accordion-index=\"3\" data-title=\"do-aml-checks-cover-business-clients-as-well-as-individuals\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"fa-fw e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDo AML checks cover business clients as well as individuals? \t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Yes, though business checks are typically more involved and often priced separately. You may need to verify beneficial owners, check the company itself, and assess the nature of the business. Some providers charge a higher rate for entity checks.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>AML checks are not optional. They are not a nice-to-have. And if you are running an accounting or bookkeeping practice in the [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":36727,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_tocer_settings":[],"footnotes":""},"categories":[6],"tags":[11],"class_list":["post-36684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-compliance"],"acf":[],"_links":{"self":[{"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/posts\/36684","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/comments?post=36684"}],"version-history":[{"count":10,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/posts\/36684\/revisions"}],"predecessor-version":[{"id":36722,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/posts\/36684\/revisions\/36722"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/media\/36727"}],"wp:attachment":[{"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/media?parent=36684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/categories?post=36684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/figsflow.com\/uk\/wp-json\/wp\/v2\/tags?post=36684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}