Certivus vs Credas: which AML and KYC software is right for UK accountants?
Certivus is a structured AML compliance workflow built for UK accountants — transparent pricing from £0, same-day setup, and an evidence trail designed for HMRC-supervised practices. Credas specialises in biometric identity verification and Open Banking, serving property, legal, and financial services as well as accountancy.
Answer-first summary
How does Certivus compare with Credas?
Certivus is purpose-built for UK HMRC-supervised accountancy practices. It provides a structured AML checklist, CDD workflow, risk scoring, evidence vault, and one-click PDF audit export — all with transparent public pricing and same-day setup. Credas is an identity verification and Open Banking platform that serves property, legal, financial services, and accountancy. It excels at biometric ID and source-of-funds checks but is not structured around the AML workflow an accountancy practice needs to meet HMRC supervision requirements.
- Choose Certivus for a complete AML compliance workflow with transparent pricing built around UK accountants.
- Consider Credas if Open Banking verification or a white-label client app across multiple sectors is a priority.
- Verify Credas's current pricing and workflow configuration options direct with their team.
TL;DR — Quick Summary
- •Certivus pricing is public and starts at £0 — Credas uses usage-based pricing, contact required.
- •Certivus provides a structured AML checklist; Credas focuses on identity verification and Open Banking.
- •Credas offers Open Banking source-of-funds verification; Certivus uses manual evidence capture.
- •Certivus is same-day setup with no integration project; Credas supports API and white-label integration.
Feature
Certivus
Credas
Pricing
Transparent — from £0. Public pricing page.
Usage-based pricing — contact Credas for current costs.
Primary focus
AML compliance workflows — identity, CDD, checklist, risk, evidence.
Identity verification and Open Banking — broader than AML workflows.
Free tier
5 free checks, always. No credit card.
Demo available — no public free tier.
AML checklist
Structured checklist — every step tracked with status and owner.
Identity verification focused — AML workflow depends on use case.
Open Banking
Manual evidence capture and review.
Open Banking source of funds and address verification.
Target sectors
UK accountants and law firms — AML-supervised practices.
Property, legal, financial services, and accountancy.
Audit export
1-click PDF — timestamped, HMRC-ready.
Reports available — verify HMRC suitability for accountancy AML.
Setup
Same-day — no integration project required.
API and white-label integration — setup time varies.
When to choose each platform
Choose Certivus if...
- Your primary focus is AML compliance workflow, not just identity verification.
- Transparent monthly pricing matters — you want to budget without a sales call.
- You need an AML checklist with evidence trail and MLRO oversight built in.
- Accountancy is your only regulated sector and you need HMRC-specific workflow design.
Consider Credas if...
- Open Banking source of funds verification is a priority for your client base.
- You operate across property, legal, and financial services alongside accountancy.
- A white-label client app is important for your client onboarding experience.
- You need API integration with existing systems and have resource for an integration project.
Certivus vs Credas — common questions
Is Certivus cheaper than Credas?
Certivus publishes its pricing publicly, starting with a permanent free tier of 5 checks and paid plans from £49 per month. Credas uses usage-based pricing that is not published; you will need to contact Credas directly for current costs. If pricing transparency and predictable monthly spend matter to your practice, Certivus is the clearer choice.
Does Credas have an AML checklist?
Credas is primarily an identity verification and Open Banking platform rather than a structured AML workflow tool. It covers biometric ID and source-of-funds checks, but the AML workflow structure you would need for a UK accountancy practice — intake, CDD, risk scoring, evidence vault, and export — depends on how you configure it. Certivus provides that checklist structure out of the box.
Which is better for accountancy practices?
Certivus is built specifically for UK HMRC-supervised accountancy practices. Every part of the workflow — the checklist, risk scoring, evidence vault, and one-click PDF export — is designed around the requirements accountants face under the Money Laundering Regulations. Credas serves a broader range of sectors, including property and financial services, and is better suited to firms that need Open Banking verification or a white-label client app across multiple regulated activities.
Can Certivus replace Credas for identity verification?
Certivus covers the identity verification steps required for AML compliance in an accountancy practice — document checks, PEP and sanctions screening, and risk assessment — combined with the workflow structure to manage, track, and evidence each check. If your primary need is AML compliance for UK accountants, Certivus handles it end-to-end. If you also need Open Banking source-of-funds verification or a white-label client app for property or financial services work, Credas may still have a role alongside Certivus.