We make AML Mate, so read this knowing where we sit. To keep it useful rather than promotional, every AMLwise figure comes from their own public pages, we link the source, and we say plainly where AMLwise is the better fit. AMLwise and AML Mate target the same professions, so this really comes down to price and how the work gets done.
At a glance
| AML Mate | AMLwise | |
|---|---|---|
| Entry monthly price | $49/month (Essentials), $99 (Professional) | $199/month (Lite), $399 (Comprehensive) |
| One-off program fee | None (included in subscription) | $999 (Lite) / $1,999 (pay-as-you-go) |
| Lowest way in | $0 free check + 14-day trial, then $49/month | $0 pay-as-you-go, priced per item |
| Delivery model | Guided self-serve, support when needed | Leans done-for-you, unlimited expert support |
| Contract | Monthly, cancel anytime | Monthly plans; per published pricing |
| Verticals | Accounting, legal, real estate, jewellers | Accounting, legal, real estate, jewellers & bullion dealers |
| AI compliance assistant | Yes, grounded in AUSTRAC guidance with citations | Not advertised |
| Free way to start | Free compliance check, no login, + 14-day trial | $0 pay-as-you-go account |
The pricing difference, worked through
Compare the whole of year one, since AMLwise adds a one-off program fee to its lower tiers. Take a small firm that wants everything covered.
- AMLwise: Comprehensive at $399/month with the program included is around $4,788 in year one; or Lite at $199/month plus the one-off $999 program is around $3,387 in year one.
- AML Mate: Professional at $99/month with the program and updates included is around $1,188 in year one, no setup fee; Essentials is $49/month.
One honest note: AMLwise's $0 pay-as-you-go option means a firm that only needs the occasional check can start without a monthly fee, and per-item pricing can suit very low volumes. AML Mate's entry subscription is $49/month, but it includes the program, screening and reporting rather than pricing them separately.
Where AMLwise is a good fit
Done-for-you support. AMLwise leans into a hands-on, done-for-you model with unlimited expert support and its team building your program. If you would rather hand the whole thing over than set it up yourself, that is a real and reasonable preference, and AMLwise is built for it.
Occasional-use pricing. The $0 pay-as-you-go account suits a firm with very low verification volumes that wants to pay only per item.
Where AML Mate is different
Lower to start, lower in year one. $49–$99/month with the program included and no $999–$1,999 setup fee. You can generate and see your program during a free trial before paying.
Self-serve speed with support on tap. AML Mate is built to get a small firm's AML/CTF program in place fast without waiting on a done-for-you queue, while still giving you help when you need it.
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. AMLwise does not advertise an equivalent.
Which one should you pick?
Pick AMLwise if: you want a done-for-you service that sets the program up for you with unlimited hands-on support, and the higher price and one-off program fee are worth not doing it yourself, or you have very low volumes and prefer pure pay-as-you-go.
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 setup 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 AMLwise cheaper?
AML Mate starts at $49/month with your AML/CTF program included and no setup fee. AMLwise publishes plans at $199/month (Lite) and $399/month (Comprehensive), and its lower tiers add a one-off AML program fee of $999–$1,999; a $0 pay-as-you-go option charges per item instead (pricing as published at amlwise.com.au, 9 July 2026). For most small firms AML Mate is lower to start and lower in year one.
What is the main difference between AML Mate and AMLwise?
Delivery model. AMLwise leans toward a done-for-you service: its experts build your program and it emphasises hands-on, unlimited expert support. AML Mate is a guided, self-serve product you drive yourself, with support when you need it. Both cover the same Tranche 2 professions; the difference is whether you want it handled for you at a higher price, or done quickly and cheaply yourself.
Does AMLwise or AML Mate charge an upfront program fee?
AML Mate has no upfront or setup fee; the AML/CTF program is generated inside your subscription. AMLwise lists a one-off AML program fee of $999 on its Lite plan and $1,999 on pay-as-you-go, with the program included on its higher Comprehensive tier.
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 and generate your program before you commit.