SubjectTwo records, worked side by side
Records checked to8 October 2026
AMLHUB 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.
AMLHUB
Full AML/CTF platform
- Entry price
- On application
- Evidence
- 45%
- Marketed to
- Accounting, Real estate, Legal
- 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 AMLHUB when...
- Independent evaluation support (s84) is verified — FreeAML has not established it.
- Enhanced due diligence is verified — FreeAML has not established it.
Choose FreeAML when...
- AML/CTF program creation is verified — AMLHUB has not established it.
- Know-your-business (entity checks) is verified — AMLHUB has not established it.
- Beneficial ownership and control is verified — AMLHUB has not established it.
- Biometric liveness and face match is verified — AMLHUB has not established it.
- Document Verification Service (DVS) access is verified — AMLHUB has not established it.
Where both fit
Risk assessmentStaff trainingCustomer due diligenceElectronic identity verificationPEP and sanctions screeningOngoing customer monitoring
Biggest differences
| Field | AMLHUB | FreeAML |
|---|---|---|
| AML/CTF program creation | Partial | Verified |
| Independent evaluation support (s84) | Verified | Not established |
| Know-your-business (entity checks) | Not established | Verified |
| Beneficial ownership and control | Partial | Verified |
| Enhanced due diligence | Verified | Not established |
| Biometric liveness and face match | Not established | Verified |
| Document Verification Service (DVS) access | Not established | Verified |
| Adverse media screening | Not established | Verified |
| Suspicious matter report workflow | Partial | Not established |
| AUSTRAC SMR XML export | Not established | Verified |
| Threshold transaction reporting | Partial | Not established |
| Evidence pack export | Partial | Verified |
| Risk assessed per designated service | Not established | Partial |
| Ongoing monitoring triggered by designated service and risk | Not established | Partial |
Capabilities, section by section
Program & governance
AMLHUBFreeAML
- AML/CTF program creation Queried Agreed
- Program maintenance and review Not obtained Not obtained
- Risk assessment Agreed Agreed
- Independent evaluation support (s84) Agreed Not obtained
- Staff training Agreed Agreed
CDD & entity work
AMLHUBFreeAML
- Customer due diligence Agreed Agreed
- Know-your-business (entity checks) Not obtained Agreed
- Beneficial ownership and control Queried Agreed
- Enhanced due diligence Agreed Not obtained
- Reliance arrangements Not obtained Not obtained
Identity verification
AMLHUBFreeAML
- Electronic identity verification Agreed Agreed
- Biometric liveness and face match Not obtained Agreed
- Document Verification Service (DVS) access Not obtained Agreed
Screening & monitoring
AMLHUBFreeAML
- PEP and sanctions screening Agreed Agreed
- Adverse media screening Not obtained Agreed
- Ongoing customer monitoring Agreed Agreed
- Automated transaction monitoring (bank-style rules) Not obtained Not obtained
Reporting & control
AMLHUBFreeAML
- Suspicious matter report workflow Queried Not obtained
- AUSTRAC SMR XML export Not obtained Agreed
- Tipping-off controls (s123) Not obtained Not obtained
- Threshold transaction reporting Queried Not obtained
Evidence & extensibility
AMLHUBFreeAML
- Evidence pack export Queried Agreed
- Immutable audit log Not obtained Not obtained
- API access Not obtained Not obtained
Tranche 2 operations
AMLHUBFreeAML
- Risk assessed per designated service Not obtained Queried
- Ongoing monitoring triggered by designated service and risk Not obtained Queried
- Program obligations calendar Not obtained Not obtained
- Versioned AML program and CDD records Not obtained 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 reviewKnow-your-business (entity checks)Reliance arrangementsBiometric liveness and face matchDocument Verification Service (DVS) accessAdverse media screeningAutomated transaction monitoring (bank-style rules)AUSTRAC SMR XML export
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: AMLHUB on AML Directory · FreeAML on AML Directory