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How AML Buddy compares

AML Buddy side by side with 12 UK AML check providers: pricing model, published prices, contracts and user fees. Every fact is sourced and dated (checked 23–24 October 2026).

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Sourced and dated

Their own pages, linked

We take facts from each provider’s pricing and product pages and Companies House, and link the source next to each one.

Like for like

Same basis, both sides

We compare the same things for everyone and say “not published” when a provider quotes privately. We don’t estimate prices we can’t see.

Honest about gaps

Where others do more, we say so

Source of funds, KYB and integrations are areas where several providers offer more than AML Buddy today.

Pricing and terms at a glance

Prices as published when checked (23–24 October 2026). Check each provider’s site before you decide; terms change.

Showing all 12 providers

ProviderPricing modelPublished priceContract / minimumPer-user fees
AML BuddyAll sectorsPay per check, prepaid packs£5.40 per check inc. VAT (£4.50 + VAT). Packs of 10, 20, 50 or 100 checks. 5 free checks once on sign-up.None — no subscription, contract or monthly minimumNone — unlimited team members
ThirdfortEstate & letting agents · Accountants & bookkeepers · Solicitors & conveyancersMonthly platform fee + credits per checkPlatform fee from £83/month (estate agents, accountants) or £167/month (law firms, conveyancers) + VAT, plus credits. Credit prices not published.Source12-month contract; credits valid for two yearsSourceNo — unlimited users at no extra costSource
CredasEstate & letting agents · Solicitors & conveyancers · Accountants & bookkeepersPackages on request, fee per searchNot published — pricing on request with a demo. Gateway: monthly billing with "one flat fee per search"; Credas offers low-volume users a monthly package with no setup fees.SourceGateway and ENTRY billed monthly; minimum term not publishedSourceNo per-user fee published; Gateway is limited to five users, ENTRY and above unlimitedSource
SmartSearchEstate & letting agents · Accountants & bookkeepers · Solicitors & conveyancers · IFAsCustom quote (Starter / Growth / Enterprise)Not published — pricing is "fully modular and built around your business, not a fixed rate card"SourceNot published; its terms say "specific contractual terms apply" to each serviceSourceNot publishedSource
AmiqusEstate & letting agents · Accountants & bookkeepers · Solicitors & conveyancers · IFAsPer client, tiered plans with a monthly minimumStandard from £15 per client; Scale from £10 per client; Enterprise custom (VAT basis not stated)Source"Minimum contract: £500/month" on Standard; term not publishedSourceNot publishedSource
XamaAccountants & bookkeepers · Solicitors & conveyancers · Estate & letting agentsFree or £13/month plan + credits per checkCredits £0.525 each ex VAT. Electronic AML + identity & address check = 4 credits (£2.10); ID document check = 5 credits (£2.63).Source"No long-term contracts"; the subscription package auto-renews; credits expire after 12 months, no refundSourceNo — unlimited usersSource
VeriphyAccountants & bookkeepers · Solicitors & conveyancers · Estate & letting agentsPublic price list per check; PAYG with onboarding feeAML & anti-fraud check from £6.00; biometric check £3.50 (1 document) / £5.00 (2 documents); standalone PEP/sanctions with monitoring £1.50 (VAT basis not stated)SourceNo subscription or annual platform fee; one-off onboarding fee on pay as you go (amount by quote), waived with a prepaid packageSourceNone publishedSource
LeglSolicitors & conveyancersModular, usage-based; no public pricesNot published — "Choose the modules you need and pay only for what you use"Source"No long-term lock-in"; monthly billing; term not publishedSourceNot publishedSource
IRIS Elements AMLAccountants & bookkeepersAnnual licence by client band + pay-per-checkLicence from £250/year (30 clients); UK ID check £4.00; international ID £3.75 (VAT basis not stated)Source12-month licence contract (paid monthly or annually); checks invoiced monthly in arrearsSourceNo for AML (licence is priced by number of clients)Source
FigsFlowAccountants & bookkeepersPay per check, or £15/month programme + lower check price£4.50 + VAT per check (packs of 10, credits never expire), or £15/month + £3.50 per check (£3.00 from the 100th)SourcePay as you go: checks only. Programme billed monthly or annually; no multi-year termsSourceNot for AML checks; Practice Suite £39 per person/month for the first 10 peopleSource
TaxCalcAccountants & bookkeepersPrepaid search bundles + annual licencesEquifax e-ID: registration + 15 searches £85, then bundles from 10 for £48; biometric licence from £35 for 10 checks; AML Centre from £110/year (all ex VAT)SourceAnnual licences; search credits expire after 12 months, non-refundable; unused biometric checks don’t carry overSourceNo (priced by searches and clients)Source
First AMLAccountants & bookkeepers · Solicitors & conveyancers · Estate & letting agentsTiered plans (Launch / Optimise / Transform), price on applicationNot published — all plans "POA". Launch is "ideal for onboarding minimum 400 individuals or 100 complex entities / year"SourceNot publishedSourceNo per-user price published; user caps of 20 / 50 / unlimited by planSource
ArmalytixSolicitors & conveyancers · Accountants & bookkeepersPer check / per report; prices not publishedNot published ("clear pricing with no hidden fees"; quote from sales)SourceNot publishedSourceNot publishedSource

AML Buddy: £5.40 per check including VAT (£4.50 + VAT). Competitor prices are shown as each provider publishes them; several don’t say whether VAT is included.

Provider by provider

What each does well, and where AML Buddy is different. More detailed comparison pages are on the way.

Thirdfort

AML Buddy vs Thirdfort

Monthly platform fee + credits per check

Checked 24 October 2026

Estate & letting agentsAccountants & bookkeepersSolicitors & conveyancers
Where Thirdfort is strong
  • Source of funds by open banking or statement upload, with giftor journeys (FCA-licensed account information service)
  • Enhanced NFC ID designed to meet HM Land Registry’s Safe Harbour standard
  • KYB with beneficial owner discovery, and integrations with Reapit, Alto, Clio, Redbrick and others
Where AML Buddy is different
  • No platform fee or 12-month contract: you buy checks in packs from 10
  • A published per-check price and 5 free checks to start, without a demo
  • AI asks the client clarifying questions when a PEP or address result is ambiguous

Credas

AML Buddy vs Credas

Packages on request, fee per search

Checked 24 October 2026

Estate & letting agentsSolicitors & conveyancersAccountants & bookkeepers
Where Credas is strong
  • Biometric ID with passive liveness and NFC, plus Right to Rent checks for letting agents
  • Source of funds by open banking, KYB with beneficial ownership reports, and Director ID checks
  • Integrations with legal case-management systems (Minerva, Smoove, DPS, Visualfiles) and an API
Where AML Buddy is different
  • A published per-check price instead of a quote, and no monthly billing
  • Unlimited team members from the first pack, where Credas Gateway is limited to five users
  • Start today with 5 free checks, without a sales demo

SmartSearch

AML Buddy vs SmartSearch

Custom quote (Starter / Growth / Enterprise)

Checked 24 October 2026

Estate & letting agentsAccountants & bookkeepersSolicitors & conveyancersIFAs
Where SmartSearch is strong
  • Electronic AML checks against three credit bureaux (Equifax, Experian, TransUnion) in seconds
  • UK and international business (KYB) checks, director and UBO checks, and open banking source of funds
  • An API, SSO and integrations (Advanced, Alto, Salesforce, Intelliflo and others), with a dedicated customer success manager
Where AML Buddy is different
  • A published price, £4.50 + VAT per check, with no contract
  • Unlimited team members at no extra cost
  • AI asks the client clarifying questions on ambiguous PEP or address results

Amiqus

AML Buddy vs Amiqus

Per client, tiered plans with a monthly minimum

Checked 24 October 2026

Estate & letting agentsAccountants & bookkeepersSolicitors & conveyancersIFAs
Where Amiqus is strong
  • Source of funds by evidence capture and open banking, company (KYB) checks and risk assessment templates
  • Right to Rent and staff screening on the same platform
  • Integrations with Clio, LawWare and Denovo, an API, plus ISO 27001:2022 and Cyber Essentials Plus
Where AML Buddy is different
  • No monthly minimum: packs start at 10 checks (£54 inc. VAT)
  • A published per-check price of £4.50 + VAT
  • 5 free checks on sign-up

Xama

Coming soon

Free or £13/month plan + credits per check

Checked 23 October 2026

Accountants & bookkeepersSolicitors & conveyancersEstate & letting agents
Where Xama is strong
  • Risk assessments and policy templates even on the free plan, plus an AML Academy on Core
  • Integrations with Karbon, Pixie, FYI, Socket, QuickBooks Practice Manager, FreeAgent, Zapier and Make
  • Lower headline price for electronic-only checks (£2.10 + VAT), NFC via its iPhone app, ISO 27001:2022
Where AML Buddy is different
  • One price for ID document, selfie, PEP, sanctions and adverse media, with no credit maths
  • No subscription package to renew
  • Dedicated guidance for estate agents, letting agents and IFAs

Veriphy

Coming soon

Public price list per check; PAYG with onboarding fee

Checked 23 October 2026

Accountants & bookkeepersSolicitors & conveyancersEstate & letting agents
Where Veriphy is strong
  • A wide range: KYB, international checks, source of funds, credit, DBS, Right to Work, lawyer bank account checks
  • Electronic checks without client action, and batch re-screening of an existing client book
  • Trading since 2007, ISO 27001 and Cyber Essentials, works with Capium
Where AML Buddy is different
  • Adverse media and a document + selfie check in one price
  • No onboarding fee, and 5 free checks to start
  • AI asks the client clarifying questions on ambiguous PEP or address results

Legl

Coming soon

Modular, usage-based; no public prices

Checked 23 October 2026

Solicitors & conveyancers
Where Legl is strong
  • A full client-lifecycle platform: onboarding, e-signatures (including QES) and client payments
  • Source of funds, KYB, trust onboarding and risk assessments
  • 10+ practice-management integrations (Clio, P4W, Proclaim, iManage) and ISO 27001
Where AML Buddy is different
  • A published per-check price and a self-serve start, without a demo
  • Dedicated guidance for five sectors, not law firms first
  • A single, simple check for firms that don’t need a full platform

IRIS Elements AML

Coming soon

Annual licence by client band + pay-per-check

Checked 23 October 2026

Accountants & bookkeepers
Where IRIS Elements AML is strong
  • Built into IRIS Elements, with one client list
  • Programme tools: firm-wide risk assessment, KYC questionnaires, SAR workflow and bulk checks
  • A lower UK ID check price (£4.00, VAT basis not stated), company reports, and a 30-day trial with 10 free ID checks
Where AML Buddy is different
  • No annual licence or 12-month contract
  • PEP, sanctions and adverse media stated as part of every check
  • Covers estate and letting agents, solicitors and IFAs as well as accountants

FigsFlow

Coming soon

Pay per check, or £15/month programme + lower check price

Checked 23 October 2026

Accountants & bookkeepers
Where FigsFlow is strong
  • The same pay-as-you-go price (£4.50 + VAT), and cheaper above about 15 checks a month on its Compliance Programme
  • Risk assessments, policies, a Companies House IDV workflow and 24 months of ongoing screening
  • Xero, QuickBooks, Microsoft 365 and Stripe integrations and a full practice suite
Where AML Buddy is different
  • 5 free checks to start, and prices shown including VAT
  • Document + selfie and adverse media stated as part of every check
  • Built for estate and letting agents, solicitors and IFAs as well as accountants

TaxCalc

Coming soon

Prepaid search bundles + annual licences

Checked 23 October 2026

Accountants & bookkeepers
Where TaxCalc is strong
  • Built into TaxCalc Practice Manager
  • NFC biometric checks positioned for Companies House verification by ACSPs
  • AML Centre for risk assessments and policies; ISO 27001
Where AML Buddy is different
  • One check covers ID, selfie, PEP, sanctions and adverse media — no separate products
  • No registration fee
  • Covers five sectors, not accountants only

First AML

Coming soon

Tiered plans (Launch / Optimise / Transform), price on application

Checked 23 October 2026

Accountants & bookkeepersSolicitors & conveyancersEstate & letting agents
Where First AML is strong
  • Companies, trusts and complex ownership mapped to the UBO across 300+ registries
  • Configurable rules, risk assessment and case management, with source of funds via Armalytix
  • Integrations with Actionstep, Aderant, Elite 3E and Zapier, an API, and ISO 27001
Where AML Buddy is different
  • No minimum volume: packs from 10 checks
  • No user caps
  • A published price and a self-serve start

Armalytix

Coming soon

Per check / per report; prices not published

Checked 23 October 2026

Solicitors & conveyancersAccountants & bookkeepers
Where Armalytix is strong
  • Source of funds and wealth analysis from open banking data (FCA-registered AISP)
  • Bank statement scanning and bank account verification
  • An Identity Service plus integrations with Redbrick, ProConvey, Proclaim and Hoowla
Where AML Buddy is different
  • A different main job: client ID and screening rather than source of funds (the two can be used together)
  • A published per-check price
  • Dedicated guidance for estate agents, letting agents and IFAs

Questions to ask any AML provider

Use this checklist on every quote, including ours. It’s the quickest way to compare total cost and terms like for like.

  1. Is there a contract, and how long is it?

    Ask for the minimum term, the renewal date and how much notice you must give. Some tools renew automatically.

  2. Is there a platform fee, subscription or monthly minimum?

    Add it to the per-check price. A monthly fee spread over a few checks can cost more than the checks themselves.

  3. Do you charge per user, or cap the number of users?

    Check what happens when a new colleague or branch needs access.

  4. Do credits or bundles expire?

    Ask whether unused checks roll over, expire after 12 months or are lost at renewal.

  5. Am I charged when I send the invite or when the client completes?

    If you pay on invite, checks your client never finishes still cost you.

  6. What exactly does one check include?

    Compare like with like: ID document, selfie or liveness, address, PEP, sanctions, adverse media, ongoing monitoring (for how long?) and the report.

  7. Are prices shown with or without VAT?

    Many B2B price lists are ex VAT. Compare both on the same basis.

  8. Are there set-up, onboarding or exit fees?

    Include one-off fees and any cost of exporting your records when you leave.

  9. Can I export my reports if I leave?

    You must keep CDD records for five years after the business relationship ends (MLR 2017 regulation 40), so make sure you can download them.

Comparison questions

How do you compare providers fairly?

We use each provider’s own pricing and product pages and Companies House, and we link the source next to each fact. Every fact was checked on 23–24 October 2026, and each comparison page shows its own date. We compare like with like, and we say where another provider does more than we do.

Why don’t you show a price for every provider?

Several providers don’t publish prices and quote after a demo. Where that’s the case we say “not published” rather than guess. Ask them for a written quote and compare it on the same basis.

Is AML Buddy the cheapest option?

Not always. FigsFlow charges the same pay-as-you-go price (£4.50 + VAT) and is cheaper above about 15 checks a month on its programme, and some tools offer electronic-only checks for less. AML Buddy’s strength is one published price with no subscription, contract or monthly minimum.

What doesn’t AML Buddy do?

We don’t offer source of funds or open banking checks, Right to Rent checks or integrations yet, and company (KYB) checks are coming soon. If you need those, several providers on this page cover them.

Does a regulator approve any of these tools?

No. HMRC, the FCA and the professional bodies don’t approve or endorse AML software, including AML Buddy. Your firm remains responsible for its own risk-based approach under the Money Laundering Regulations.

Something on this page is out of date. What should I do?

Email hello@amlbuddy.com with the source and we’ll check it and update the page.

Sources

Accessed 23–24 October 2026. Each comparison page lists its full sources and the date it was checked.

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