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.
Caratteristiche principali della soluzione
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.
In che modo Entrust può aiutare la tua azienda?
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.
L'Entrust Trust Framework è certificato?
Sì. 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.
Quali sono le normative KYC nel Regno Unito?
Per i servizi finanziari, il Regno Unito riconosce il Gruppo di azione finanziaria internazionale (GAFI) come "organismo internazionale di normazione"" per i requisiti AML e KYC. Esistono diverse leggi britanniche che regolano i requisiti AML e KYC, principalmente:
The Terrorism Act 2000 (La legge sul terrorismo del 2000)
Ha imposto ai servizi finanziari di adottare misure volte a prevenire il finanziamento del terrorismo,tra cui la due diligence del cliente (CDD), monitoraggio delle transazioni e obblighi di segnalazione. È stata modificata numerose volte, tra cui il Terrorism Act 2006, il Terrorism Act 2000 e il Proceeds of Crime Act 2002 (Amendment) Regulations 2007.
The Proceeds of Crime Act (La legge sui proventi del crimine) (POCA) del 2002
Quella è la principale regolamentazione AML del Regno Unito. Ai sensi del POCA, le banche e gli istituti finanziari devono adottare le misure necessarie per individuare le attività di riciclaggio di denaro. Questi passaggi includono la due diligence del cliente (CDD), il monitoraggio delle transazioni e la segnalazione di attività sospette.
Regolamenti 2017 sul riciclaggio di denaro, il finanziamento del terrorismo e il trasferimento di fondi (MLR 2017)
Un altro elemento chiave della legislazione AML nel Regno Unito e recepisce gli obblighi stabiliti nella 4AMLD dell'UE e, successivamente, nella 5AMLD tramite il Regolamento (di modifica) sul riciclaggio di denaro e il finanziamento del terrorismo del 2019. Ha inoltre introdotto l'obbligo per le aziende di implementare una valutazione scritta dei rischi AML e CFT.
Gli MLR del 2017 sono stati poi modificati nel 2022 per concentrarsi sull'assistenza alle aziende che operano nel Regno Unito affinché rispettino gli standard internazionali AML sulle attività virtuali e per esaminare l'obbligo di eseguire valutazioni del rischio sul finanziamento della proliferazione.
Anche il governo del Regno Unito ha pubblicato una revisione lungimirante dell'AML nel giugno 2022, concludendo che il regime attuale è ampiamente idoneo allo scopo e per il momento non necessita di modifiche radicali.
Soluzioni per la verifica dell'identità per il Regno Unito
Documento e Verifica dell'identità biometrica
Abbi fiducia nell'identità del tuo cliente verificando oltre 2500 documenti d'identità con foto del Regno Unito e globali. Basato sulla pluripremiata IA, il nostro sistema di verifica dei documenti Entrust si avvale di tecniche avanzate per valutare l'autenticità dei documenti.
Entrust è costruito attorno a privacy e sicurezza
Quadro di riferimento per i servizi di verifica digitale nel Regno Unito
Identity Service Provider
Component Service Provider
Supported supplementary-code scope: Right to Work, Right to Rent and DBS-related identity verification
Risorse correlate
L'evoluzione dell'identità: come prepararsi alla nuova era della normativa europea
Scopri cosa significano per gli istituti finanziari le ultime novità di eIDAS 2.0, ETSI v2, EUDI Wallet e delle normative antiriciclaggio (AMLR) e come costruire una strategia di gestione dell'identità conforme e a prova di frode prima delle scadenze del 2027.
L'evoluzione dell'identità: come prepararsi alla nuova era della normativa europea
Scopri cosa significano per gli istituti finanziari le ultime novità di eIDAS 2.0, ETSI v2, EUDI Wallet e delle normative antiriciclaggio (AMLR) e come costruire una strategia di gestione dell'identità conforme e a prova di frode prima delle scadenze del 2027.
Identity Verification (IDV) demo
See how to design drag-and-drop verification workflows and validate identities using biometrics, documents, and trusted data sources.
Guida alla sicurezza dell'identità
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.
Domande frequenti
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.
I nostri esperti di identità sono disponibili per discutere le tue esigenze, rispondere alle tue domande su KYC (adeguata verifica della clientela) e organizzare una demo.
I requisiti legislativi e normativi possono variare a seconda della giurisdizione, del settore, del prodotto e del caso d'uso, e possono cambiare nel tempo. Le informazioni fornite in questa pagina hanno uno scopo puramente informativo e riflettono la nostra comprensione al momento della pubblicazione. Il presente documento non costituisce, né deve essere considerato come una consulenza legale, sulle normative o sulla conformità. Per qualsiasi domanda o requisito connesso alla propria attività, è consigliabile rivolgersi ai propri consulenti legali, per la conformità o per le normative.