🇬🇧United Kingdom KYC, AML and verification coverage

Verify individuals and businesses in the United Kingdom with ComplyCube’s KYC, KYB, AML screening, document verification, proof of address and biometric verification services.

Use this guide to understand UK coverage across data sources, identity documents, verification checks, AML screening, business verification and compliance policy workflows.

This guide is useful for compliance, product and onboarding teams building UK customer verification, AML screening or business verification flows.

UK coverage snapshot

ComplyCube supports UK verification journeys across individuals, businesses, AML screening, address verification and biometric checks using local and global data sources.

Area	UK coverage
Population coverage	95%+ of the adult population.*
Identity and address data sources	Government, credit agencies, utility authorities and commercial databases.
Supported ID documents	Passport, driving licence and residence permit.
Address verification	Proof of address documents, bureau data and address validation.
AML screening	Sanctions, PEPs, watchlists, adverse media and ongoing monitoring.
Business verification	Companies House data, company profiles, directors, ownership and connected-party screening.

^{* Coverage depends on the input fields provided, enabled checks and account setup.}

Why use ComplyCube for UK verification?

• Verify individuals and businesses using one platform.
• Combine document, biometric, address, bureau and AML checks in a single workflow.
• Apply Compliance Policies to standardise risk-based decisions and reduce manual review effort.
• Monitor customers and businesses continuously for changes in risk.
• Preserve audit-ready evidence across checks, workflows and policy decisions.

What you can verify in the UK

Choose the verification path that matches your UK onboarding, AML or business verification use case.

Individual checks

Verification need	Recommended service	Use it to
Verify a person’s identity	Identity Check and Document Check	Check ID documents, selfies and liveness.
Verify an address	Proof of Address Check and Multi-Bureau Check	Confirm UK address data using documents and bureau-backed sources.
Verify without a document	Multi-Bureau Check or Identity Fraud Check	Corroborate customer details against UK data sources.
Driving licence verification	Driving License Check	Run entitlement checks, validate DVLA records, and return infractions where available.

AML and monitoring

Verification need	Recommended service	Use it to
Screen AML risk	AML Screening Check	Screen sanctions, PEPs, watchlists and adverse media.
Extend screening with internal lists	Custom Lists	Screen UK customers and businesses against your internal watchlists and proprietary datasets.
Monitor ongoing risk	Continuous Monitoring	Monitor individuals and businesses for changes in real-time.
Score customer or business risk	AML Risk Scoring	Apply country, screening and verification risk factors.

Business and workflow controls

Verification need	Recommended service	Use it to
Verify a business	Company Search & Insights	Retrieve UK company profile, director and ownership data.
Capture signed approvals	eSignatures	Collect signed declarations, approvals and consent during UK onboarding flows.
Build a risk-based journey	Workflows and Compliance Policies	Apply KYC, AML, Right to Work, Right to Rent or enhanced due diligence rules.

UK individual verification

For UK individual onboarding, ComplyCube lets you combine document verification, biometric checks, bureau-backed identity corroboration, proof of address and fraud signals in one risk-based journey.

Supported checks

Check	What it does
Document Check	Verifies passports, driving licences, residence permits and supported document variants.
Identity Check	Matches the customer’s selfie to their ID document and performs passive liveness checks.
Enhanced Identity Check	Adds video-based liveness challenges for higher-assurance verification flows.
Face Authentication	Re-checks a returning user’s face for sign-in, recovery or step-up verification.
Multi-Bureau Check	Corroborates name, date of birth, address or ID data against UK bureau and reference sources.
Proof of Address Check	Extracts address data from proof of address documents and compares it with submitted details.
Identity Fraud Check	Screens identity and address attributes against fraud-related datasets.
Driving License Check	Validates UK driving licence details against DVLA records.

Supported identity and address documents

Identity documents

Document type	UK coverage
Passport	UK passports, including national, international, diplomatic, ePassport and passport card variants.
Driving licence	UK driving licences.
Residence permit	UK residence permits.

NFC checks for UK government IDs

For compatible government-issued identity documents in the UK, NFC chip verification can verify the embedded NFC chip. This adds a higher level of assurance by helping confirm that the physical document is genuine, chip-enabled, and consistent with the submitted identity information.

Proof of address documents

Proof of Address Check supports common UK proof of address documents, including:

• Bank statements
• Utility bills
• Driving licences
• Tax documents

Proof of Address Check extracts address data, compares it to the submitted customer details and can evaluate additional geolocation signals where available.

UK data sources and matching

ComplyCube can verify UK customers using data-led checks, even when a document-first journey is not required. Depending on the check type, submitted customer attributes and account configuration, ComplyCube may use a range of local and global sources to corroborate identity and address details.

Attributes that can be corroborated

Attribute	Used for
Name	Confirms the customer’s identity details against trusted records
Date of birth	Helps distinguish between individuals with similar names
Address	Confirms the customer’s residential address and supports proof of address checks

Source categories

ComplyCube may use the following source categories for UK identity and address corroboration:

• Government data
• Credit agency data
• Utility data
• Postal data
• Telecom data
• Commercial data
• Proprietary data

Source availability and matching behaviour can vary depending on the check, submitted customer details, enabled data sources and account setup.

Bureau-based verification

Multi-Bureau Check can verify UK customers using bureau and reference data.

Matching rule	Description
Default matching	Verifies when the customer’s name matches plus one additional attribute, such as date of birth, address or ID number.
Optional 2+2 matching	Checks two matching identity attributes across two separate trusted data sources, where enabled.

2+2 matching

2+2 matching is an optional UK bureau rule. It adds another layer of corroboration by checking two identity attributes across two separate trusted data sources.

UK AML screening and monitoring

Use AML Screening Check to screen UK individuals and businesses at onboarding and monitor them for changes over time.

AML coverage

AML Screening Check screens individuals and businesses against more than 3,000 international, regional and local sources, with support for onboarding checks and continuous monitoring.

Capability	Coverage
Sanctions screening	UK and global lists, including HM Treasury, OFSI, United Nations, OFAC and other sources.
PEP screening	Senior political figures, public officials, regional officials and international organisation roles.
Watchlist screening	Global, regional and internal watchlists.
Adverse media	Curated adverse media from verified global sources.
Ongoing monitoring	Continuous monitoring with alerts when risk changes.
AML Risk Scoring	Risk scoring using screening, country and customer or business risk factors.

UK Fraud and intelligence checks

Use digital fraud signals to strengthen UK onboarding and detect risky behaviour across email, phone, device and document channels.

Check	Description
Email Intelligence	Detect disposable, risky, breached and low-trust email accounts.
Mobile Intelligence	Review phone number activity, abuse, carrier and reputation signals.
Device Intelligence	Detect device tampering, emulator use, VPN or proxy use and other high-risk device signals.
SMS Verification	Send a one-time passcode to verify phone ownership.
Security Element Verification	Check built-in document security features, such as holograms and format protections.
Document Tamper Detection	Detect image manipulation, photocopies, portrait swaps and other document forgeries.

UK driving licence verification

Use Driving License Check to validate UK driving licence details against DVLA records.

Driving License Check can support:

• DVLA entitlement checks.
• Licence validity and format checks.
• Fraud and tampering detection.
• Comparison of official driver records with submitted customer details.
• Return of entitlements, restrictions, endorsements, disqualifications, infractions or penalties where available.

UK business verification

Use Company Search & Insights to verify UK companies, review ownership and screen connected parties.

UK Business Verification combines business data retrieval with entity review, ownership review and AML screening for the business and related people.

Business verification task	What ComplyCube supports
Company lookup	Retrieve company profile data from official business registers, including legal name, registration number, status and registered address.
Director and officer review	Access officer and director information where available.
Ownership review	Review shareholder and UBO data where available.
Entity screening	Screen the company against sanctions, PEP, watchlist and adverse media sources.
Connected-party screening	Screen directors, officers, shareholders and beneficial owners.
Business risk scoring	Build a business risk score using AML Risk Scoring.
Continuous monitoring	Monitor businesses and connected parties for changes in risk.

UK business verification uses Companies House data and can be combined with AML Screening Check, AML Risk Scoring, Workflows and Compliance Policies.

UK compliance policies and regulatory alignment

With Compliance Policies, you can define risk-based rules, apply policy assurance across checks, trigger additional verification steps, and preserve audit-ready evidence for each decision.

Framework or authority	How ComplyCube supports policy assurance
HM Treasury Money Laundering Regulations	Configure customer due diligence, enhanced due diligence, AML screening and ongoing monitoring policies
FCA Customer Due Diligence	Apply identity verification, proof of address, AML screening and risk scoring rules inside structured workflows
FCA Enhanced Due Diligence	Trigger additional checks for higher-risk customers, such as enhanced identity verification, AML screening, risk scoring or manual review
DSIT Digital Identity and Attributes Trust Framework	Support digital identity journeys with document verification, biometric checks, liveness and evidence capture
Home Office Right to Work	Build identity and document verification flows for employment-related checks
Home Office Right to Rent	Build identity and document verification flows for tenancy-related checks
FATF-aligned AML guidance	Apply risk-based controls for sanctions, PEPs, adverse media, beneficial ownership and ongoing monitoring

Policy assurance across checks

Compliance Policies let you apply your organisation’s verification rules across ComplyCube workflows and verification journeys. This helps standardise decisioning, enforce risk-based controls and retain audit-ready evidence.

ComplyCube provides verification, screening, workflow and policy configuration tools. Your organisation remains responsible for configuring policies, thresholds and review procedures according to its regulatory obligations.

FAQs

Do you support KYC and AML in the UK?

Yes. ComplyCube supports UK KYC and AML workflows, including identity verification, document checks, biometrics, proof of address, AML screening, ongoing monitoring and business verification.

Which UK identity documents are supported?

ComplyCube supports UK passports, driving licences and residence permits. Passport coverage includes national, international, diplomatic, ePassport and passport card variants.

Can I verify a customer in the UK without a document?

Yes. Multi-Bureau Check and Identity Fraud Check support data-led identity and address verification using UK bureau and reference sources.

Do you support proof of address checks in the UK?

Yes. Proof of Address Check supports common UK proof of address documents, including bank statements, utility bills, driving licences and tax documents.

Do you support biometric verification in the UK?

Yes. Identity Check supports selfie verification with face match and passive liveness. Enhanced Identity Check adds video-based liveness challenges.

Do you support UK business verification?

Yes. Company Search & Insights supports UK business verification using company profile data, director and ownership information, and connected-party screening.

What does UK AML screening cover?

AML Screening Check supports sanctions screening, PEP screening, watchlist screening, adverse media checks and ongoing monitoring for individuals and businesses.

Do you support ongoing AML monitoring in the UK?

Yes. AML Screening Check supports continuous monitoring and alerts when customer or business risk changes.

Do you support UK driving licence verification?

Yes. Driving License Check validates UK driving licence details against DVLA records and can return available licence validity, entitlement, restriction and infraction data.

Can I configure UK-specific compliance rules?

Yes. You can use Compliance Policies and Workflows to apply risk-based rules for AML, KYC, Right to Work, Right to Rent and enhanced due diligence journeys.

Which UK frameworks can this support?

ComplyCube can support workflows aligned with UK identity, AML, tenancy, employment and enhanced due diligence requirements.

Relevant UK frameworks and requirements include HM Treasury Money Laundering Regulations, FCA customer due diligence, FCA enhanced due diligence, Home Office Right to Work, Home Office Right to Rent and DSIT digital identity frameworks.

Can I screen individuals and businesses in the UK?

Yes. AML Screening Check supports screening and ongoing monitoring for both individuals and businesses. Company Search & Insights can also be used to review UK company data, ownership and connected parties.

Next steps

Start by signing up for the ComplyCube sandbox to test UK verification checks and build a sample onboarding flow.

If you need help confirming coverage or configuring a production-ready setup, contact us to discuss supported UK data sources, Compliance Policy setup for KYC, AML, KYB, Right to Work or Right to Rent workflows.