AML Buddy vs FigsFlow
Figs Flow Limited (Companies House 15655148, London, incorporated 2024) sells practice software for accountancy firms, with an AML module. It says 200+ UK practices onboard their clients with FigsFlow. Facts checked on 24 October 2026, with sources.
How FigsFlow and AML Buddy differ
On pay as you go, AML Buddy and FigsFlow charge the same: £4.50 + VAT per check. Above 15 checks a month, FigsFlow’s Compliance Programme (£15 a month per firm + £3.50 per check) costs less, and from the 100th check its rate is £3.00.
FigsFlow is built for accountancy practices and adds risk tools, a liveness check and practice software. AML Buddy covers five sectors and gives 5 free checks to start.
AML Buddy wrote this page. We’ve tried to be fair and like-for-like; if anything is out of date, email hello@amlbuddy.com.
AML Buddy and FigsFlow side by side
FigsFlow serves: Accountants & bookkeepers. Numbers in brackets link to the sources below.
| Feature | AML Buddy | FigsFlow |
|---|---|---|
| Pay-as-you-go price | £4.50 + VAT (£5.40 inc. VAT) per check | £4.50 + VAT per check, “everything included”[1] |
| Lower-rate option | None | Compliance Programme: £15/month per firm + £3.50 per check, £3.00 from the 100th check[1] |
| When the programme costs less | Same price at any volume | FigsFlow’s own table: the same at 15 checks a month, less above that[2] |
| Pack size | 10 / 20 / 50 / 100 | Credits in packs of 10[1] |
| Credit expiry | Checks don’t expire while your account is open | Never[1] |
| Free checks | 5 free checks, once, on sign-up | None: AML checks are excluded from the free offer and trials, and are bought as credits from the first one[1] |
| What each check includes | ID document + selfie, address match, PEP, sanctions and adverse media, timestamped PDF report | Electronic identity and address, PEP and sanctions screening, Amberhill check, 24 months of ongoing screening, Companies House ID verification workflow, inspection-ready record[1] |
| ID document + selfie | ID document + selfie via one secure link (no liveness check) | Photo ID and a liveness check, by email or SMS link, no app needed[2] |
| Adverse media | Included in every check | Named in the AML page’s screening section; not in the pricing page’s list of what each check includes[2] |
| Ongoing screening | Ongoing re-screening | 24 months included in each check[1] |
| Possible screening matches | AI asks the client clarifying questions | Routed to your nominated officer with the match details[2] |
| Risk assessment, EDD and policies | Free Word templates (not in the app) | Compliance Programme: client and firm-wide risk assessment, EDD workflow, policies, controls, MLRO roles, monitoring alerts and training log[1] |
| Company checks | Coming soon | Fetches directors, PSCs and ownership from Companies House[2] |
| Sectors | Estate and letting agents, accountants, solicitors, IFAs | Accountancy practices: accountants, bookkeepers and tax advisers[2] |
| Integrations | None yet | Xero, QuickBooks, Microsoft 365 (SharePoint, Outlook, Teams, Entra ID sign-in); Stripe, GoCardless and Adfin payments; API and webhooks[3] |
| Users | Unlimited team members, no per-user fee | AML checks and the programme aren’t priced per user; practice software is per person (Practice Suite £39 a month for each of the first 10 people, then £59)[1] |
| Contract | None — no subscription, contract or monthly minimum | Pay as you go: credits only. Plans roll monthly or run 12 months; no multi-year terms[1] |
| VAT | Prices shown inc. and ex VAT | Prices exclude VAT[1] |
Where FigsFlow is stronger
- Cheaper above 15 checks a month on the Compliance Programme (£15 a month + £3.50 per check, £3.00 from the 100th).
- Credits that never expire, with 24 months of ongoing screening and an Amberhill check in each check.
- Photo ID with a liveness check.
- Client and firm-wide risk assessments, an EDD workflow, policies and a Companies House ID verification workflow.
- Xero, QuickBooks and Microsoft 365 connections, an API, and a practice suite that can hold the engagement letter until checks clear.
Where AML Buddy is different
- 5 free checks on sign-up.
- Prices shown including VAT (£5.40), as well as ex VAT.
- A document + selfie check with adverse media stated in one price.
- AI asks the client clarifying questions on ambiguous PEP or address results.
- Dedicated guidance for estate and letting agents, solicitors and IFAs as well as accountants.
Who should choose which
- Accountancy practices that want proposals, engagement letters, practice management and AML in one place.
- Firms running more than 15 checks a month.
- Firms that need risk assessments, a liveness check, the Companies House ID verification workflow and Xero or QuickBooks links.
- Estate and letting agents, solicitors and IFAs.
- Small accountants who only want checks, not practice software.
- Firms that want to try 5 checks free first.
AML Buddy vs FigsFlow: questions
Is AML Buddy cheaper than FigsFlow?
No, not on pay as you go: both charge £4.50 + VAT a check. FigsFlow’s own table shows its £15-a-month Compliance Programme (£3.50 a check) costs the same at 15 checks a month and less above that.
Do I need FigsFlow’s practice software to use its AML checks?
No. FigsFlow lists a “checks only, no programme” pay-as-you-go option at £4.50 + VAT. Its practice software is priced separately, per person.
Is FigsFlow free until 2027?
FigsFlow says its software is free until 28 February 2027, with billing from 1 March 2027, but AML checks aren’t part of the free offer and are paid for from the first check. AML Buddy gives 5 free checks once on sign-up.
Which includes adverse media?
AML Buddy includes adverse media in every check. FigsFlow’s AML page names adverse media in its screening section, but its pricing page lists PEP and sanctions screening only, so ask FigsFlow to confirm.
Can estate agents or solicitors use FigsFlow?
FigsFlow describes its AML module as built for supervised accountancy practices. AML Buddy has guidance for estate and letting agents, solicitors, IFAs and accountants.
Do credits expire?
FigsFlow says its credits never expire. AML Buddy checks don’t expire while your account is open.
Are prices shown with VAT?
AML Buddy shows £5.40 including VAT (£4.50 + VAT). FigsFlow’s pricing page says its prices exclude VAT.
Can I switch from FigsFlow to AML Buddy?
Yes. Keep your FigsFlow records for five years after the business relationship ends (MLR 2017 regulation 40), then run new checks in AML Buddy. FigsFlow credits don’t expire, so you can use up any you hold.
Sources
All accessed 24 October 2026. FigsFlow is a trademark of its owner; prices and features as published on its website on that date.
Comparing FigsFlow and AML Buddy?
Try AML Buddy with 5 free checks. No subscription, contract or monthly minimum.