Calculator

HMRC AML supervision fees calculator

Work out what HMRC charges to register your business for money laundering supervision, and what you’ll pay each year after.

£740Total to register

£400Every year after

Application fee (one-off, non-refundable)	£300
Premises fee: 1 × £400	£400
Approval check: 1 × £40	£40
Total	£740

Premises added in the second half of your registration year are charged at half the fee.

If your turnover is under £5,000, you can apply for a £500 small business reduction once your application or yearly declaration is accepted. HMRC’s page is unclear on whether the application fee is also waived, so check with HMRC before paying.

Rates checked 24 October 2026 against GOV.UK “Fees you’ll pay for money laundering supervision” (updated 22 December 2025). For guidance only, not tax or legal advice.

HMRC supervision fees from 1 December 2025

Fee	Amount	Who pays
Application fee	£300, one-off	Every new applicant, and anyone reapplying after cancellation or withdrawal
Premises fee	£400 per premises	At application, for each premises
Annual declaration fee	£400 per premises	Every year, for each premises
Approval check	£40 per person	Estate agency and letting agency businesses, accountancy service providers, high value dealers, art market participants
Fit and proper test	£500 per person	Money service businesses, trust or company service providers

Example. A new estate agency with one office and two directors pays £300 + £400 + 2 × £40 = £780 to register, then £400 a year.

Who must register with HMRC

Businesses covered by the Money Laundering Regulations must be supervised. HMRC supervises estate and letting agents, high value dealers, art market participants, money service businesses, trust or company service providers and accountancy service providers that are not supervised by a professional body. Accountants who belong to a body such as the ICAEW, ACCA or AAT are usually supervised by that body instead, and pay its fees.

Trading without registration is a breach of the regulations. HMRC regularly names businesses it has fined for it; see our HMRC AML fines tracker.

Registration is only the start

Once registered, HMRC expects you to have an AML policy, a written risk assessment, staff training and customer due diligence on every client. Our AML health check shows where your gaps are, and our free templates cover the policy and risk assessments.

HMRC AML supervision fees calculator questions

How much does HMRC charge for AML supervision?

From 1 December 2025: a £300 application fee, £400 per premises when you apply and £400 per premises every year, plus £40 per person for the approval check or £500 per person for the fit and proper test, depending on your business type.

Who needs the £40 approval check?

Owners, officers and managers of estate agency and letting agency businesses, accountancy service providers, high value dealers and art market participants.

Who needs the £500 fit and proper test?

Owners, officers and managers of money service businesses and trust or company service providers.

Is there a reduction for small businesses?

Businesses with turnover under £5,000 can apply for a £500 small business reduction once their application or annual declaration is accepted. HMRC’s guidance is not fully consistent on how the application fee is treated, so check with HMRC first.

Do I pay for each office?

Yes, £400 for each premises every year. Premises added in the second half of your registration year are charged at half the fee, and there is no refund if you remove one.

Sources

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