What AML providers actually charge an Australian SME.

Free tiers (easyAML through 1 July 2026) are land-grab pricing — vendors absorbing acquisition cost to lock in market share before the deadline. Self-serve subscriptions (A$129–A$650/mo) charge for software access and assume your team runs the AML program. Mid-market platforms (A$700–A$2,000) add multi-entity, configurable rules, and reviewer/approver workflow. Managed services (A$650–A$2,500) include the cost of an outsourced AML officer doing CDD and SMR drafting for you. Enterprise quotes price the implementation, not the licence.

No. Every dollar a provider pays CompareAML comes out of their margin — never added to your quote. Lead pricing is fixed per vertical, not a percentage of deal size, so we earn the same whether you pick the A$129 self-serve tier or the A$2,500 managed service. Read the full breakdown on the How we're paid page.

For most sole-practitioner law firms, single-office accounting practices, or small real estate offices, a self-serve subscription in the A$129–A$300/mo band plus 30–40 hours of internal time gets you to a defensible Tranche 2 program. easyAML is genuinely free until 1 July 2026 if you're willing to migrate later. The cheapest path is rarely the cheapest outcome — under-tooling typically shows up at your first independent review.

Depends on volume. NameScan, StackGo and similar pay-per-check tools charge A$2–A$8 per ID verification and screening with no monthly minimum. If you onboard fewer than ~30 customers a month, pay-per-check is usually cheaper. Above that, a monthly subscription with included CDD volume wins. Pay-per-check tools also tend to be screening-only — you still need a separate documented AML program.

Four buckets. (1) Internal time — 2–4 hours/week of compliance officer effort for self-serve, ~30 minutes/week for managed. (2) Per-check costs on platforms that don't include CDD volume — A$2–A$8 per ID verification. (3) Independent review, required by AUSTRAC, A$2,500–A$8,000/year if not bundled. (4) Onboarding fees on managed services, typically A$1,500–A$5,000 setup.

Several providers have signalled that promotional pricing — particularly easyAML's A$0 tier and discounted multi-year deals from Complispace and AMLHUB — will end on or shortly after 1 July 2026. Locking in pre-deadline pricing typically saves 15–30% over year-one rack rates. We don't track every provider's promo calendar, but the matching form surfaces who's currently running deals.

Almost always at the mid-market and managed tiers. Configurable platforms expect a sales conversation and routinely discount 10–25% for annual upfront, multi-entity, or sector-anchor deals. Self-serve subscriptions are usually take-it-or-leave-it pricing. Free tiers, by definition, aren't negotiable. Coming to the call with a CompareAML shortlist of comparable providers is the single biggest lever on price.

Enterprise deployments at First AML, Equifax AML/KYC, and AMLHUB group typically range A$25,000–A$120,000 per year all-in, depending on entity count, transaction volume, integration scope, and whether implementation is fixed-fee or T&M. Year-one is almost always 20–40% higher than steady state because of the implementation premium.