Certivus vs ComplyCube: which fits your practice?
Certivus is a ready-to-use UK AML compliance workspace with transparent GBP pricing and free credit to start. ComplyCube is a developer-first KYC/AML API and platform, priced in USD, for teams building verification into their own product.
Answer-first summary
How does Certivus compare with ComplyCube?
Certivus is purpose-built for UK accountancy and law practices with transparent, public GBP pricing; £10 of free credit to start and no subscription at all, just £2.49 for a full KYC and AML check, falling to £1.13 at volume; delivered as a ready-to-use compliance workspace with onboarding, SAR prep, an evidence vault, ongoing monitoring at £0.99 per client per year, and one-click HMRC-ready audit exports. ComplyCube is a strong, UK-registered, developer-first KYC/AML API and platform with published USD plans (Starter $99/mo, Core $299/mo) plus granular per-check add-ons; a great fit for product teams embedding verification into their own software. The right choice depends on whether you want compliance handled or want an API to build on.
- Choose Certivus for a ready-made UK accountancy compliance workspace, GBP pricing, free credit to start, and HMRC-ready audit exports.
- Consider ComplyCube if you're a developer or product team that wants a flexible KYC/AML API and granular per-check USD pricing.
- ComplyCube prices in USD (Starter $99/mo, Core $299/mo) with per-check add-ons; Certivus has no platform fee and bundles the standard check into one GBP rate, with monitoring at £0.99 per client per year.
TL;DR: Quick Summary
- •Certivus is £2.49 for a full KYC and AML check with no subscription at all (and £10 of free credit to start), falling to £1.13 on a retainer, GBP, standard check included and monitoring at £0.99 per client per year; ComplyCube publishes USD plans; Starter $99/mo, Core $299/mo; plus per-check add-ons.
- •Certivus gives every account £10 of free credit (4 full checks) and has no subscription; ComplyCube offers a 14-day trial plus 50 free checks (a trial, not free credit to start).
- •ComplyCube prices checks separately (USD, Starter→Core): AML $0.50→$0.35, document $1.05→$0.75, biometric $0.35→$0.20, monitoring $0.03/mo per record.
- •ComplyCube is a developer-first KYC/AML API you build on; Certivus is a ready-to-use UK accountancy compliance workspace with SAR prep, evidence vault, and HMRC-ready audit.
Feature
Certivus
ComplyCube
Pricing
Transparent, public; £10 of free credit, then £0.99 to £2.49 per check with no subscription. Standard identity and AML check included.
Published USD plans; Starter $99/mo, Core $299/mo (Growth/Enterprise custom), with per-check add-ons on top.
Per-check pricing
£2.49 of wallet credit for a full KYC and AML check, falling to £1.13 at volume.
Per-check add-ons (USD, Starter→Core): AML $0.50→$0.35, document $1.05→$0.75, biometric $0.35→$0.20.
Ongoing monitoring
£0.99 per client per year, billable back to your clients (recommended ~£15/client/yr).
Continuous monitoring $0.03/mo per record (USD).
Free to start
£10 of free credit to start, no card.
14-day trial plus 50 free checks; a trial, not free credit to start.
Primary shape
A ready-to-use UK compliance workspace; onboarding, SAR prep, evidence vault, monitoring, HMRC-ready audit.
A developer-first KYC/AML API and platform you build your own flow on.
Primary sector
Built for UK accountancy and AML-supervised practices.
Global, developer-oriented KYC/AML across many industries.
Company base
UK company (Birmingham), UK-supervised accountancy focus.
UK-registered (London), developer-first KYC/AML provider.
Currency
GBP; priced for UK firms.
USD; plans and per-check rates are billed in US dollars.
Entry cost, side by side
ComplyCube's entry plan is $99/mo (USD, Starter), with document, biometric, AML, and monitoring checks charged separately on top. Certivus is £2.49 for one full KYC and AML check, with the standard identity and AML check, with ongoing monitoring at £0.99 per client per year; plus free credit ComplyCube doesn't offer. ComplyCube is the stronger pick if you want a developer API to build on; Certivus is a ready-made accountancy workspace. See Certivus pricing.
When to choose each platform
Choose Certivus if...
- You run a UK accountancy or law practice and want a ready-made compliance workspace, not an API to build on.
- Transparent GBP pricing matters; free credit to start, then £0.99 to £2.49 per check with no subscription, and monitoring at £0.99 per client per year.
- You need onboarding, SAR prep, an evidence vault, and a one-click HMRC-ready audit trail out of the box.
- You want ongoing monitoring at one published rate (£0.99 per client per year), not a per-record line that moves with your plan.
Consider ComplyCube if...
- You are a developer or product team that wants a KYC/AML API to embed verification into your own product.
- You operate globally and are comfortable with USD billing and granular per-check pricing.
- You want to price document, biometric, and AML checks separately and tune each to your risk model.
- Building your own onboarding flow matters more to you than a ready-made accountancy compliance workspace.
Who should compare Certivus with ComplyCube?
The best AML software choice changes depending on who carries the risk, who controls the budget, and who has to run the work every week.
Managing partner
Compare predictable cost, inspection exposure, client acceptance risk, and whether the tool will be adopted across the firm.
ContinueMLRO / MLCO
Compare evidence quality, risk decisions, escalation routes, sanctions audit trail, and SAR-ready record keeping.
ContinueOperations lead
Compare setup time, client friction, staff training load, exports, and how cleanly the workflow fits day-to-day onboarding.
ContinueDecision checklist before choosing Certivus or ComplyCube
- Ask for the current pricing model in writing, including checks, screening, users, exports, and support.
- Run one realistic client file through each workflow: individual, company, higher-risk client, and evidence export.
- Check whether the AML record would satisfy HMRC, SRA, or professional-body inspection without manual reconstruction.
- Use ComplyCube where developer-first KYC/AML APIs, granular per-check pricing, and embedding verification into your own product are the core use cases; use Certivus where UK-accountancy workflow, transparent pricing, and audit-ready evidence are the deciding factors.
Certivus vs ComplyCube: common questions
Is Certivus or ComplyCube better for UK accountants?
Certivus is purpose-built for UK HMRC-supervised accountancy practices; it ships as a ready-to-use compliance workspace with client onboarding, a structured AML workflow, SAR preparation, an evidence vault, and one-click HMRC-ready audit exports, priced in GBP from free credit to start. ComplyCube is a developer-first KYC/AML API and platform: powerful and flexible, but it expects you to build your own verification flow, and it prices in USD. For an accountancy practice that wants compliance handled rather than engineered, Certivus is the closer fit; for a product team building verification into their own software, ComplyCube is strong.
How does ComplyCube pricing work?
ComplyCube publishes USD plans: Starter at $99/mo and Core at $299/mo, with Growth and Enterprise tiers quoted custom. On top of the plan, checks are charged per use; for example (Starter to Core) AML screening at $0.50 down to $0.35, document checks at $1.05 down to $0.75, biometric checks at $0.35 down to $0.20, and continuous monitoring at $0.03 per record per month. There is a 14-day trial plus 50 free checks. All figures are in US dollars. Certivus, by contrast, has no subscription and no platform fee: a full KYC and AML check draws £2.49 of wallet credit, ongoing monitoring is £0.99 per client per year.
Does ComplyCube offer free credit to start?
ComplyCube offers a 14-day trial with 50 free checks; useful for evaluation, but it is a time-limited trial rather than free credit to start. Certivus gives every new account £10 of credit, which is 4 full checks or 6 identity checks, with no card required, so a UK firm can run real checks and keep an account open indefinitely. Pay-as-you-go credit never expires.
Do I need developers to use Certivus or ComplyCube?
ComplyCube is developer-first; its core strength is a clean KYC/AML API you integrate into your own product, so getting the most from it usually involves engineering work. Certivus is designed to be used out of the box by a practice team: onboarding, screening, evidence capture, monitoring, and HMRC-ready exports work without writing any code, though an API is available on higher plans if you want it. If you don't have (or don't want to use) developers, Certivus is the more direct route.