SubjectTwo records, worked side by side
Records checked to8 October 2026
ComplyReady vs FreeAML
There is no universal winner. The question is which kinds of buyer should prefer which. These pages are built from the same source-checked data as every other page on AML Finder.
ComplyReady
Full AML/CTF platform
- Entry price
- $69.00/mo
- Evidence
- 48%
- Marketed to
- Accounting, Real estate, Legal, Conveyancing
- Data residency
- mixed
FreeAML
Verification layer
- Entry price
- $20.00/check
- Evidence
- 55%
- Marketed to
- Accounting, Real estate, Conveyancing, Legal
- Data residency
- Not established
Choose ComplyReady when...
- Suspicious matter report workflow is verified — FreeAML has not established it.
- Threshold transaction reporting is verified — FreeAML has not established it.
- API access is verified — FreeAML has not established it.
Choose FreeAML when...
- Beneficial ownership and control is verified — ComplyReady has not established it.
- Biometric liveness and face match is verified — ComplyReady has not established it.
- Document Verification Service (DVS) access is verified — ComplyReady has not established it.
- PEP and sanctions screening is verified — ComplyReady has not established it.
- Adverse media screening is verified — ComplyReady has not established it.
Where both fit
AML/CTF program creationRisk assessmentStaff trainingCustomer due diligenceKnow-your-business (entity checks)Electronic identity verificationOngoing customer monitoring
Biggest differences
| Field | ComplyReady | FreeAML |
|---|---|---|
| Beneficial ownership and control | Not established | Verified |
| Biometric liveness and face match | Not established | Verified |
| Document Verification Service (DVS) access | Not established | Verified |
| PEP and sanctions screening | Not established | Verified |
| Adverse media screening | Not established | Verified |
| Automated transaction monitoring (bank-style rules) | Partial | Not established |
| Suspicious matter report workflow | Verified | Not established |
| AUSTRAC SMR XML export | Not established | Verified |
| Threshold transaction reporting | Verified | Not established |
| Evidence pack export | Not established | Verified |
| API access | Verified | Not established |
| Ongoing monitoring triggered by designated service and risk | Not established | Partial |
| Program obligations calendar | Partial | Not established |
| Escalation to AMLCO or manager with outcome recorded | Partial | Not established |
Capabilities, section by section
Program & governance
ComplyReadyFreeAML
- AML/CTF program creation Agreed Agreed
- Program maintenance and review Not obtained Not obtained
- Risk assessment Agreed Agreed
- Independent evaluation support (s84) Not obtained Not obtained
- Staff training Agreed Agreed
CDD & entity work
ComplyReadyFreeAML
- Customer due diligence Agreed Agreed
- Know-your-business (entity checks) Agreed Agreed
- Beneficial ownership and control Not obtained Agreed
- Enhanced due diligence Not obtained Not obtained
- Reliance arrangements Not obtained Not obtained
Identity verification
ComplyReadyFreeAML
- Electronic identity verification Agreed Agreed
- Biometric liveness and face match Not obtained Agreed
- Document Verification Service (DVS) access Not obtained Agreed
Screening & monitoring
ComplyReadyFreeAML
- PEP and sanctions screening Not obtained Agreed
- Adverse media screening Not obtained Agreed
- Ongoing customer monitoring Agreed Agreed
- Automated transaction monitoring (bank-style rules) Queried Not obtained
Reporting & control
ComplyReadyFreeAML
- Suspicious matter report workflow Agreed Not obtained
- AUSTRAC SMR XML export Not obtained Agreed
- Tipping-off controls (s123) Not obtained Not obtained
- Threshold transaction reporting Agreed Not obtained
Evidence & extensibility
ComplyReadyFreeAML
- Evidence pack export Not obtained Agreed
- Immutable audit log Not obtained Not obtained
- API access Agreed Not obtained
Tranche 2 operations
ComplyReadyFreeAML
- Risk assessed per designated service Queried Queried
- Ongoing monitoring triggered by designated service and risk Not obtained Queried
- Program obligations calendar Queried Not obtained
- Versioned AML program and CDD records Queried Queried
- Escalation to AMLCO or manager with outcome recorded Queried Not obtained
- Expired document alerts Not obtained Not obtained
- Reliance CDD requests sent and received Not obtained Not obtained
Unknowns to confirm
Not established for at least one of these two — ask before relying on it.
Program maintenance and reviewIndependent evaluation support (s84)Beneficial ownership and controlEnhanced due diligenceReliance arrangementsBiometric liveness and face matchDocument Verification Service (DVS) accessPEP and sanctions screening
Which one fits your requirements?
These two are compared on every field we track. Tell us what matters to you and we’ll recalculate this comparison against your own requirements.
Tell us what matters to youProvider facts checked through 8 October 2026. Source records: ComplyReady on AML Directory · FreeAML on AML Directory