We make AML Mate, so read this knowing where we sit. To keep it useful rather than promotional, every AML Comply figure comes from their own public pages, we link the source, and we say plainly where AML Comply is genuinely stronger. There are firms for whom AML Comply is the better pick, and we name them at the end.
At a glance
| AML Mate | AML Comply | |
|---|---|---|
| How you pay | Monthly subscription | $1,200 one-off setup + optional subscriptions |
| Upfront cost to start | $0 (free check, then 14-day trial) | $1,200 program builder |
| Entry monthly price | $49/month | Optional: $60/month document updates, $30/month per seat training |
| Contract | Monthly, cancel anytime | One-off setup; subscriptions cancel anytime |
| Free way to start | Free compliance check, no login, + 14-day trial | Not advertised |
| Verticals | Accounting, legal, real estate, jewellers | Law, accounting, real estate, financial institutions |
| AI compliance assistant | Yes, grounded in AUSTRAC guidance with citations | Not advertised |
| Founder pedigree | Product-led | Co-founded by a long-standing AML/CTF auditor |
The pricing difference, worked through
The two products price on different shapes, so compare the whole year, not the headline. Take a small firm of four people that wants its program plus ongoing updates and staff training.
- AML Comply: $1,200 one-off for the program builder, plus $60/month document updates and $30/month per seat training for four seats is roughly $1,200 upfront then ~$180/month, around $3,360 in year one.
- AML Mate Professional: $99/month with the program, client CDD, screening, reporting, training and updates included is around $1,188 in year one, no upfront fee, cancel any month. Essentials is $49/month.
One honest caveat cuts the other way: if you genuinely only want a single, one-off AML/CTF program document and nothing ongoing, AML Comply's $1,200 buys that outright, whereas AML Mate is a subscription. In practice AML/CTF compliance is not a one-off, it is a continuing obligation (ongoing CDD, monitoring, reporting, annual review), which is the model AML Mate is built around.
Where AML Comply is genuinely strong
Auditor pedigree. AML Comply is co-founded by Dean Crowle, a long-standing AML/CTF auditor and compliance specialist, paired with a technical co-founder. For a nervous compliance buyer, “built by an actual auditor” is a powerful trust signal, and it is a real reason some firms will prefer them. We are a product team; we do not claim an equivalent audit practice behind us.
“Buy it once” framing. Their one-off setup suits a firm that wants to pay for a robust program a single time rather than commit to a subscription, and treats ongoing updates and training as optional extras.
Where AML Mate is different
Nothing upfront, and a way to try first. AML Mate starts with a free compliance check that needs no login, then a 14-day free trial, then $49/month. You can see your generated program before you commit a dollar, rather than paying $1,200 to begin.
Compliance as a continuous workspace, not a one-off document. Your program, client register, screening history, reports, training records and audit trail all live in one place and stay current, because compliance does not stop once the program PDF is generated.
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, inside the same tool that holds your program and client records. AML Comply does not advertise an equivalent.
Which one should you pick?
Pick AML Comply if: the deciding factor is the reassurance of an established auditor behind the product, and you prefer to pay once for a program up front with updates and training as optional add-ons.
Pick AML Mate if: you are a small or mid-sized firm that wants the whole obligation covered (program, CDD, screening, monitoring, reporting, training, audit trail) on a low monthly price with no upfront fee, a free way to start, and an AI assistant that answers AUSTRAC questions with citations while you work.
Frequently asked questions
Is AML Mate or AML Comply cheaper?
It depends on the shape of the cost. AML Comply charges a $1,200 one-off setup fee for its AML/CTF program builder (including the risk assessment), then optional add-ons of $60/month for document updates and $30/month per seat for training (pricing as published at amlcomply.com.au, 9 July 2026). AML Mate has no upfront fee and starts at $49/month with verifications and updates included, cancel anytime. For a small firm, AML Mate is far lower to start and lower in year one unless you only ever want a single one-off program and nothing ongoing.
What is the main difference between AML Mate and AML Comply?
Business model. AML Comply is oriented around buying a program once (a $1,200 setup) with optional subscriptions bolted on. AML Mate is a continuous monthly workspace where the program, client due diligence, screening, reporting, training and audit trail all live together and stay current. AML Comply leans on the pedigree of its auditor founder; AML Mate leans on a low-commitment, always-on model with a free way to start.
Who is behind AML Comply?
AML Comply is co-founded by Dean Crowle, a long-standing AML/CTF auditor and compliance specialist, alongside a technical co-founder. That auditor pedigree is a genuine strength and a real reason some firms will prefer them, which we say plainly below.
Can I try AML Mate before paying?
Yes. Run the free compliance check with no login, then take a 14-day free trial of the full product before you commit. AML Comply does not publish an equivalent free self-serve trial.