Remote Identity Verification in the UK

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.

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探索 IDV 合规性

KYC 资源

身份验证合规性

解决方案亮点

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.

Entrust 能为您的企业提供哪些帮助？

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.

Traveler verifying identity at an airport kiosk with digital ID confirmation screen

Digital identity verification comparing a photo ID with a live facial scan on a mobile device

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.

Entrust 是否已获得信任框架认证？

是的。 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.

Revolut

12% increase in customers onboarded

Curve

~47 hours saved by cutting onboarding changes from two days to 1 hour

WeTheNew

100% reduction in manual identity checks

英国的 KYC 法规是什么？

在金融服务方面，英国认可金融行动特别工作组 (FATF) 作为 AML 和 KYC 要求的“国际标准制定者”。英国有多部法律对 AML 和 KYC 要求做出了规定，主要包括：

《2000 年反恐怖主义法》

要求金融服务必须采取防止恐怖主义融资的措施，包括进行客户尽职调查 (CDD)、监控交易和履行报告义务。该法案经过多次修订，包括《2006 年反恐怖主义法》、《2000 年反恐怖主义法》和《2002 年犯罪收益追缴法（2007 年修订条例）》。

《2002 年犯罪收益追缴法》 (POCA)

这是英国主要的 AML 法规。根据 POCA，银行和金融机构必须采取必要的措施，来检测洗钱活动。这些措施包括进行客户尽职调查 (CDD)、监控交易和报告可疑活动。

《2017 年反洗钱、反恐怖主义融资和资金转移条例》(MLRs 2017)

这是英国另一部关键的 AML 法律。该法律转化了欧盟 4AMLD 中规定的义务，随后通过《2019 年反洗钱和恐怖主义融资（修正案）条例》转化了 5AMLD 中规定的义务。它还引入了要求企业必须实施书面 AML 和 CFT 风险评估的规定。

2017 年的 MLRs 随后于 2022 年修订，重点帮助在英国经营的企业遵守关于虚拟资产的国际 AML 标准，并检查了对扩散融资进行风险评估的要求。

英国政府还于 2022 年 6 月发布了对 AML 的前瞻性评估，结论是现行制度基本符合目的，目前不需要全面修改。

面向英国的身份验证解决方案

证件和生物识别验证工作流程工作室智能采集数据验证欺诈检测信号

证件和生物识别验证

通过验证 2500 多种英国和全球带照片的身份证，确保客户身份真实可信。我们的 Entrust 证件验证基于屡获殊荣的人工智能，使用先进的技术来评估证件的真实性。

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Entrust 围绕隐私性和安全性而构建

UK Digital Verification Services Trust Framework

Identity Service Provider

Component Service Provider

Supported supplementary-code scope: Right to Work, Right to Rent and DBS-related identity verification

常见问题解答

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.

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立法和监管要求可能因司法管辖区、行业、产品和应用场景而异，并可能随时间发生变化。本页信息仅供一般性参考，且仅代表截至发布之日我们的理解。该信息不构成法律、监管或合规建议，也不应作为此类建议的依据。如对可能适用于您业务的问题或要求存有疑问，请咨询您自己的法律、合规或监管顾问。