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Complynce

Free AML/CTF Checker

Check whether the 2026 AML/CTF reforms may apply to your business.

The Complynce AML/CTF checker helps Australian businesses work through business-type and designated-service triggers introduced or changed under the 2026 AUSTRAC reform pathway.

Start CheckerRequest Free PortalView AML/CTF Module

Who should use this checker

Use this page when you need a fast, structured first-pass view of whether AML/CTF obligations may be triggered by the services your business provides.

Real estate agents, buyer agents and property developers checking sale or transfer triggers
Law firms, conveyancers, accountants and bookkeepers checking regulated client matter activity
Trust, company and corporate service providers checking entity, nominee and address services
Precious metals, precious stones and high-value goods dealers checking cash or virtual asset thresholds
Virtual asset service providers checking exchange, transfer, custody and offer-related services

Eligibility Checker

Check whether AML/CTF applies

This is general information derived from AUSTRAC guidance and is not legal advice. Customers should do their own research, review AUSTRAC guidance directly and seek independent advice where needed.

Why this matters

The reform impact is service-based, not just industry-based.

A business may sit in an affected sector but only become a reporting entity if it provides captured designated services with the required Australian connection. This checker is designed to make that first conversation clearer before a business requests portal access.

After checking

Turn the result into an evidence trail.

Save the result internally with the business service assumptions used
Confirm the designated-service position against AUSTRAC guidance or independent advice
If AML/CTF applies, request the free Complynce AML/CTF Portal to organise obligations, evidence and actions
If AML/CTF does not apply, keep a record of the assessment and review it when services change

AML/CTF guides and checklists

Use these guides to understand the checker result, prepare evidence and move into the free AML/CTF Portal with a clearer implementation path.

AML/CTF Guide

Does AML/CTF Apply To My Business? 2026 Designated Services Guide

Use this guide before the checker to understand how designated services, business type and Australian connection shape AML/CTF exposure.

Read guide →

AML/CTF Guide

AML/CTF Checklist Australia 2026

A practical checklist for newly regulated businesses preparing enrolment, program, CDD, training, reporting and evidence records.

Read guide →

AML/CTF Guide

AML/CTF For Real Estate Agents In Australia

A sector-specific guide for agents, buyer agents and developers preparing for AML/CTF obligations and evidence controls.

Read guide →

AML/CTF Guide

AML/CTF For Accountants, Lawyers And Conveyancers

A professional services guide covering client money, property transactions, company/trust services and regulated matter records.

Read guide →

AML/CTF Guide

AML/CTF Evidence Checklist

What records to keep for AUSTRAC readiness, internal review, independent evaluation and board reporting.

Read guide →

Free AML/CTF Portal

Need to organise obligations, actions and evidence?

Request the free AML/CTF Portal after completing the checker. Access is reviewed before activation so business details can be validated.

Start Free Request