AML/CTF obligations went live on 1 July. If you are choosing compliance software now, two Australian platforms built specifically for Tranche 2 keep coming up: easyAML (by Scantek, Perth) and AML Mate (that's us). This post compares them directly.
Full disclosure up front: we make AML Mate, so read this knowing where we sit. To keep it useful rather than promotional, every easyAML figure below comes from their own public pages, we link the sources, and we tell you plainly where easyAML is genuinely stronger. There are firms for whom easyAML is the better pick, and we say which ones at the end.
All easyAML pricing is as published at easyaml.com/pricing (opens in a new tab) on 18 October 2026, quoted ex GST as they list it. Check their site for current figures. AML Mate pricing is at our pricing page. Prefer the quick-reference version? See the side-by-side comparison page.
Pricing and public pages checked 18 October 2026. The free-account observations are from 26 July 2026, not a new hands-on review. Current advertised capabilities and historical observations are distinguished below. Confirm feature access and check inclusions in a demo.
At a glance
| AML Mate | easyAML | |
|---|---|---|
| Entry price | $49/month including GST | $179/month + GST |
| Contract | Monthly, cancel anytime | 12-month term |
| Identity verifications included | 5/month on entry plan | None on entry plan (pay per use) |
| Extra identity verification | $5 + GST each, subject to availability and monthly capacity | $20 + GST each (KYC) |
| KYB / company check | ABN/ACN verification against the ABR included, with ongoing monthly re-checks and an alert if an ABN is cancelled; beneficial owners recorded and screened (no automated UBO discovery) | $40 + GST each on entry plan |
| PEP and sanctions screening | Included on paid plans (fair-use limits apply) | Included |
| AML/CTF program builder | Yes (full Part A-F editor, PDF and Word export) | Yes |
| SMR / TTR preparation | Yes | Yes |
| Staff training and certificates | Included, all plans | Included |
| AI compliance assistant | Yes, grounded in AUSTRAC guidance | Yes, an in-product assistant called Amelie; not described on their public site |
| Free way to start | Free compliance check, no login, plus a 14-day trial | Free sign-up with no credit card, covering a risk assessment and staff training |
| Third-party integrations | Fewer today | Broad (practice management, real estate CRMs, conveyancing) |
The pricing difference, worked through
Headline prices hide the real cost, which is the subscription plus verifications. Here is a typical small firm: four people, verifying 10 new individual clients a month.
easyAML Starter: $179/month plus 10 KYC checks at $20 each is $416.90/month including GST. Its pricing FAQ states a 12-month term; confirm the term in your written quote. Their Professional tier ($449/month + GST) includes a $220 monthly verification credit that rolls over, which improves the per-check economics ($15 each) but lifts the base cost.
AML Mate Essentials: $49/month including GST with 5 hosted ID checks included, plus 5 extra at $5 + GST each is $76.50/month including GST. Extra checks require availability, monthly capacity and charge approval. Cancel any month.
These are subscription-and-check illustrations, not equivalent-service quotes. They exclude separate DVS fees, professional advice and staff time. Check your client capacity and compare higher plans if your usage changes.
One honest caveat on comparing verifications, covered next: the two products do not verify identity the same way, so a check on one platform is not a perfect substitute for a check on the other.
Where easyAML is genuinely strong
We would rather you hear this from us than discover it in a demo.
Identity verification scope. easyAML advertises (opens in a new tab) Scantek document verification, biometrics, liveness and back-to-source checks. Confirm the exact bundle, supported documents and KYB ownership checks in writing. AML Mate defaults to hosted document-photo and selfie verification. RapidID DVS is a separate document-data matching path when enabled, without a biometric selfie check. Confirm availability and DVS pricing separately from the hosted ID allowance. Compare the evidence returned by each path against your risk assessment.
Integrations. easyAML lists integrations with Actionstep, Clio, Affinity and Unity on the legal side, Xero for accounting, and a long list of real estate and conveyancing platforms (their integrations page (opens in a new tab)). AML Mate has fewer integrations live today. If your workflow depends on your practice management system talking to your AML platform on day one, weigh that.
White-labelling and account management. Their Professional and Enterprise tiers include white-labelling and a dedicated account manager, which matters for larger or multi-brand operations.
There is more in the product than on the website. We signed up for a free easyAML account on 26 July 2026 and found several things their marketing pages never mention: an in-product AI assistant called Amelie, including AI reading of an uploaded trust deed that shows you where in the document each detail was found; a structured source of wealth and source of funds request with two evidence tiers and the required documents listed for each; and the option to charge a verification to the client rather than to your own account. Credit where it is due, that is real product depth. It is also a reminder to compare inside the products rather than only across the brochures, including ours.
Where AML Mate is different
Price and commitment. $49/month against $179/month + GST, verifications included rather than $20 each, and no 12-month contract. For a sole practitioner or small firm, the compliance software line item should not rival your PI insurance. If you signed up for easyAML's free period and are now looking at the first invoices, this is exactly the comparison to run before your term locks in.
An AI assistant that cites its sources. AML Mate includes an AI compliance assistant grounded in AUSTRAC's own guidance documents, with citations back to the source material. Ask it "does a trust account transfer trigger a TTR?" and you get an answer with the relevant AUSTRAC reference, inside the same tool that holds your program and client records. easyAML has an in-product assistant of its own, called Amelie, which their website does not mention. What we could not find, on their site or in the free account, was the equivalent answer-with-AUSTRAC-citations behaviour, and the citation is the part that lets you check the answer before you rely on it.
Depth of the program editor. Both platforms build AUSTRAC-aligned AML/CTF programs. AML Mate's is a full Part A-F editor: industry-specific prefill, section-by-section editing with completion tracking, AI-assisted drafting per section, and export to both PDF and editable Word. Your program stays a living document you keep updating, not a one-off generated PDF. See the Part A-F walkthrough for what that looks like.
A free, no-login starting point. You can run a free compliance check right now, without creating an account, and see where you stand. Then a 14-day trial of the full product. easyAML also lets you sign up free with no credit card, and that free account genuinely includes a risk assessment and staff training, so it is a real way to look around. The difference is the step before that: with AML Mate you can get a read on your position without handing over an email address at all.
Audit-ready evidence in one export. AML Mate bundles your program, client register, screening history, reports, training records and activity log into a single audit pack download. When AUSTRAC asks, you hand over one file.
Feature by feature
| Capability | AML Mate | easyAML |
|---|---|---|
| Risk assessment | Guided, deterministic scoring, industry-specific | Guided, industry-specific |
| Client CDD records | Individuals, companies, trusts, beneficial owners | Yes |
| Client self-service KYC intake | Yes, tokenised link | Yes |
| Sanctions screening | DFAT consolidated list, auto re-screening on a risk-based schedule | PEP, sanctions and criminal watchlists |
| PEP screening | Yes (OpenSanctions) | Yes |
| Adverse media | Guided manual check, recorded on file | Automated screening advertised |
| Electronic identity verification | Hosted document-photo and selfie checks by default; separate RapidID DVS data matching when enabled | Advertises document, biometric, liveness and back-to-source checks; confirm bundle |
| Transaction monitoring | Rules-based (thresholds, structuring, rapid movement) with alerts | Advertises continuous monitoring and behavioural analysis; request a live demonstration |
| SMR / TTR | Guided forms, validation, PDF/Excel output, status tracking; you lodge separately | Advertises prepopulated reports; confirm the actual lodgement workflow |
| Annual compliance report | Auto-aggregated | Not specified |
| Training | 5 modules, quizzes, certificates, tokenised staff portal | Role-specific modules, access restrictions |
| Record retention | 7-year retention built in | 7+ year retention |
| Source of wealth / source of funds | Recorded against the client as Enhanced Due Diligence, and required before a high-risk client can be signed off as CDD complete | Structured request to the client with base and enhanced evidence tiers |
| AI assistance | Assistant with AUSTRAC citations, drafting help, alert triage | In-product assistant (Amelie) and AI document reading for trust deeds |
AML Mate prepares report records and exports; you lodge separately. Confirm the actual easyAML lodgement workflow in a demo. Software supports your work and does not make a practice compliant by itself.
Which one should you pick?
Pick easyAML if: its verification bundle fits your evidence needs, your workflow lives inside a practice management or conveyancing platform they integrate with, or you want white-labelling and a dedicated account manager and the budget supports $179 to $999 a month plus per-check fees.
Pick AML Mate if: you are a small or mid-sized firm that wants tools for its program, CDD, screening, monitoring, report preparation, training and audit records, with a monthly subscription, and you value having an AI assistant that answers AUSTRAC questions with citations while you work.
The fastest way to decide is to start with the free compliance check, then evaluate your client workflow in a trial. Eligible accounts get 14 days with a payment card. Billing starts unless cancelled before the trial ends. Program and audit pack downloads unlock with the first payment.
Pricing and public-page claims were checked on 18 October 2026. In-product observations date from 26 July 2026. Details may change; verify current information with each provider. This article is general information, not legal advice, and no software makes you compliant by itself. AML Mate helps you build and operate your program; see our disclaimer.