KYC Requirements in the UK
UK organizations need to verify customers securely, manage identity fraud, and support risk-based Know Your Customer (KYC) and anti-money laundering (AML) processes without creating unnecessary onboarding friction. The UK regulatory landscape continues to evolve around digital identity, customer due diligence, enhanced due diligence (EDD), and ongoing monitoring requirements.
Entrust Identity Verification solutions help businesses navigate UK KYC and AML obligations, deliver trusted digital onboarding experiences, strengthen fraud prevention, and accelerate customer acquisition through a single end-to-end platform.
Aspectos destacados de la solución
Support UK KYC and AML processes
Build risk-based identity verification journeys with document verification, biometrics, trusted data checks, and fraud detection to support customer due diligence (CDD) requirements.
Detect sophisticated fraud without adding unnecessary friction
Combine identity verification, liveness detection, device intelligence, and fraud signals to help identify suspicious activity while enabling legitimate customers to onboard quickly.
Strengthen KYC with both compliance and fraud prevention
Modern digital identity verification helps organizations satisfy regulatory obligations while reducing onboarding friction, account fraud, and financial crime risk.
¿Cómo puede Entrust ayudar a su empresa?
Navigate UK KYC and AML requirements
Build digital onboarding journeys that support FCA rules and guidance, Money Laundering Regulations (MLRs), customer due diligence (CDD), and risk-based identity verification requirements.
Improve customer onboarding experiences
Combine document, biometric, and data verification in streamlined journeys that help legitimate customers seamlessly, yet securely, prove their identity. Entrust offers global document support for verification from over 195 countries.
Detect sophisticated identity fraud and account misuse
Combine biometric verification, liveness detection, device intelligence, and fraud signals to identify impersonation attempts, synthetic identities, and other emerging threats.
Streamline identity verification operations
Automate identity and compliance checks through configurable workflows that help reduce manual reviews, improve consistency, and scale customer onboarding.
Support trusted digital identity verification
Leverage identity verification solutions certified against the UK Digital Verification Services Trust Framework (DVSTF) to help establish trust in remote customer onboarding journeys.
Deliver ongoing protection
KYC is not a one-time event. UK-regulated organizations must conduct ongoing monitoring to ensure customer information remains accurate and to identify changes in risk profiles, unusual activity, or potential financial crime indicators.
How Can Businesses Verify Their UK Digital Identity?
UK organizations are required to establish and verify a customer's identity as part of their customer due diligence obligations. Guidance from the Financial Conduct Authority (FCA) and Joint Money Laundering Steering Group (JMLSG) supports a risk-based approach, allowing firms to select the identity verification methods that best meet their compliance and risk management needs.
Today, many organizations leverage digital identity verification solutions that combine government-issued ID verification, biometric authentication, trusted data sources, and fraud detection capabilities. These approaches help organizations verify customers remotely, reduce onboarding friction, and build confidence in the integrity of their KYC processes.
How Can Certified Digital Identity Support UK AML Compliance?
In February 2026, UK government guidance clarified how certified digital verification services can be used to support identity verification requirements under the Money Laundering Regulations (MLRs). Organizations can leverage services certified under the UK Digital Verification Services Trust Framework as part of their Customer Due Diligence (CDD) processes, helping create trusted digital onboarding journeys while supporting AML requirements. Organizations must still apply a risk-based approach and meet their broader AML obligations, but the guidance provides greater certainty around the use of digital identity verification in regulated industries.
How Can Entrust Help Organizations Meet UK KYC and AML Requirements?
Organizations across the UK must balance customer experience, fraud prevention, and regulatory obligations throughout the customer lifecycle. Entrust helps organizations support KYC and AML requirements through identity verification, biometric verification, fraud detection, and workflow orchestration capabilities designed for digital onboarding.
Our solutions help organizations verify identities remotely, support risk-based customer due diligence processes, reduce manual reviews, and strengthen defenses against identity fraud. For applicable use cases, Entrust also provides certified digital identity-verification services under the UK Digital Verification Services Trust Framework (DVSTF), helping create more secure and trusted onboarding experiences. Customers remain responsible for determining which checks are appropriate and for meeting their wider KYC, AML, and sector-specific obligations.
¿Está certificado el marco de confianza de Entrust?
Sí. Entrust Identity Verification is listed on the UK DVS register as a certified Identity Service Provider and Component Service Provider. Its current certified scope includes supported identity-verification profiles for Right to Work, Right to Rent, and DBS-related checks.
Certification applies to the listed service, roles, and certified scope. It does not mean that every Entrust product or every identity-verification use case is certified under the Trust Framework.
¿Cuáles son las normas de KYC en el Reino Unido?
En el caso de los servicios financieros, el Reino Unido reconoce al Grupo de Acción Financiera Internacional (FATF) como el “organismo internacional de normalización” para los requisitos de lucha contra el blanqueo de capitales e identificación de clientes. Existen varias leyes en el Reino Unido que regulan los requisitos de AML y KYC:
Ley Antiterrorista de 2000
Exige que los servicios financieros adopten medidas para prevenir el financiamiento del terrorismo, incluidas la diligencia debida del cliente (CDD), el monitoreo de transacciones y las obligaciones de presentación de informes. Se ha modificado numerosas veces, incluidas la Ley Antiterrorista de 2006, la Ley Antiterrorista de 2000 y el Reglamento Enmendado de 2007 de la Ley sobre el Producto del Delito de 2002.
Ley sobre el Producto del Delito de 2002 (POCA)
Esta es la principal normativa británica de lucha contra el blanqueo de capitales. En virtud de la POCA, los bancos y las instituciones financieras deben adoptar las medidas necesarias para detectar las actividades de blanqueo de capitales. Estas medidas incluyen la diligencia debida del cliente (CDD), la supervisión de las transacciones y la notificación de actividades sospechosas.
Reglamento sobre Blanqueo de Capitales, Financiación del Terrorismo y Transferencia de Fondos de 2017 (MLR de 2017)
Otra pieza clave de la legislación contra el AML en el Reino Unido transpone las obligaciones establecidas en la 4AMLD de la UE y, posteriormente, la 5AMLD a través del Reglamento de Modificación sobre el Blanqueo de Capitales y la Financiación del Terrorismo de 2019. También se introdujo el requisito de que las empresas realicen una evaluación escrita de los riesgos de blanqueo de capitales y financiación del terrorismo.
El MLR de 2017 se modificó en 2022 para centrarse en ayudar a las empresas que operan en el Reino Unido a cumplir las normas internacionales de lucha contra el blanqueo de capitales sobre activos virtuales y examinar el requisito de realizar evaluaciones de riesgo sobre la financiación de la proliferación.
El Gobierno británico también publicó una revisión prospectiva de la lucha contra el blanqueo de capitales en junio de 2022, en la que concluía que el régimen actual se ajustaba en líneas generales a su propósito y no requería cambios por el momento.
Soluciones de verificación de la identidad para el Reino Unido
Verificación biométrica y de documentos
Confíe en la identidad de su cliente verificando más de 2500 documentos de identidad con fotografía del Reino Unido y el resto del mundo. Gracias a la IA galardonada, nuestra verificación de documentos de Entrust utiliza técnicas avanzadas para evaluar la autenticidad de los documentos.
Entrust está creado en torno a la privacidad y la seguridad
Marco de confianza de los servicios de verificación digital del Reino Unido
Identity Service Provider
Component Service Provider
Supported supplementary-code scope: Right to Work, Right to Rent and DBS-related identity verification
Documentos relacionados
El cambio de identidad: Preparándose para la nueva era regulatoria de Europa
Descubra qué significan para las entidades financieras los últimos cambios en eIDAS 2.0, ETSI v2, EUDI Wallet y la regulación contra el blanqueo de capitales (AMLR), y cómo desarrollar una estrategia de identidad que cumpla con la normativa y sea resistente al fraude antes de que venzan los plazos de 2027.
El cambio de identidad: Preparándose para la nueva era regulatoria de Europa
Descubra qué significan para las entidades financieras los últimos cambios en eIDAS 2.0, ETSI v2, EUDI Wallet y la regulación contra el blanqueo de capitales (AMLR), y cómo desarrollar una estrategia de identidad que cumpla con la normativa y sea resistente al fraude antes de que venzan los plazos de 2027.
Identity Verification (IDV) demo
See how to design drag-and-drop verification workflows and validate identities using biometrics, documents, and trusted data sources.
Una guía sobre la seguridad de la identidad
How to prevent fraud, reduce the risk of ATO, and secure the entire identity lifecycle. Protect your organization’s digital future while balancing security requirements and customer experience.
Preguntas frecuentes
Who regulates KYC in the UK?
UK KYC and anti-money laundering (AML) requirements in the UK arise primarily from the Money Laundering Regulations and related sector requirements. Supervision varies by industry and can involve bodies including the Financial Conduct Authority (FCA), HM Revenue & Customs (HMRC), and certain professional supervisory bodies. Firms must implement customer due diligence and risk-based controls to comply with these regulations.
Read the Onboarding in Europe’s New Regulatory Era Playbook.
When is Enhanced Due Diligence (EDD) required in the UK?
UK firms must apply Enhanced Due Diligence (EDD) when a customer or transaction presents a higher risk of money laundering or terrorist financing. This may include relationships involving Politically Exposed Persons (PEPs), customers connected to high-risk jurisdictions, unusually large or complex transactions, suspicious activity indicators, or other high-risk scenarios identified through a firm's risk assessment process.
How long must UK firms retain KYC records?
Under the Money Laundering Regulations, firms must generally retain customer due diligence records and supporting documentation for five years after the end of the business relationship or transaction. After that period, records are typically expected to be deleted unless another legal or regulatory requirement permits or requires further retention.
How does the UK Trust Framework relate to KYC and AML?
The UK Trust Framework establishes rules and independent certification for digital verification services. February 2026 government guidance explains how certified services listed on the DVS register can support identity-verification checks under the Money Laundering Regulations. Organizations remain responsible for their wider customer due diligence and AML obligations.
Does Entrust complete Right to Work or Right to Rent checks?
Entrust provides the certified identity-verification component for supported Right to Work and Right to Rent pathways. The employer or landlord remains responsible for completing the overall check and making the final employment or tenancy decision.
Nuestros expertos en identidad están a su disposición para analizar sus requisitos, responder a sus preguntas y organizar una demostración de soluciones KYC.
Los requisitos legislativos y reglamentarios pueden variar según la jurisdicción, el sector, el producto y el caso de uso, y pueden cambiar con el tiempo. La información proporcionada en esta página tiene únicamente fines informativos generales y refleja nuestro entendimiento a la fecha de publicación. No constituye, ni debe considerarse como, asesoramiento legal, normativo o de cumplimiento. Debe consultar con sus propios asesores legales, de cumplimiento normativo o regulatorios sobre cualquier pregunta o requisito que pueda aplicarse a su negocio.