What is goAML? The goAML system is a reporting platform developed by the United Nations Office on Drugs and Crime (UNODC) and operated by the UAE Financial Intelligence Unit (FIU). All UAE Financial Institutions, DNFBPs, and VASPs must register on goAML to report suspicious transactions related to money laundering and terrorist financing.
Under Federal Decree-Law No. 20 of 2018 (updated by Law No. 10 of 2025), ALL Financial Institutions, DNFBPs, and VASPs in the UAE must register on goAML. Failure attracts fines of AED 50,000 – AED 1 Million.
goAML is the UAE Financial Intelligence Unit's (FIU) online platform, developed by the UNODC, used to collect intelligence on suspicious transactions and manage regulatory reporting from all obligated entities under Federal Decree-Law No. 10 of 2025.
All Financial Institutions, DNFBPs (real estate agents, precious metals dealers, auditors, accountants, lawyers, corporate service providers) and VASPs operating in the UAE — including Free Zone entities — must register on goAML.
You typically need a company authorization letter naming the applicant, a copy of the applicant's passport, resident visa and Emirates ID, and a copy of the commercial or trade license.
With complete and accurate documentation, registration typically takes 3 to 7 business days, covering entity profile creation, two-step authentication setup, and FIU onboarding.
Depending on your sector and activity, you may need to file STRs (Suspicious Transaction Reports), SARs (Suspicious Activity Reports), DPMSRs, HRC, PNMR, CNMR or REAR reports — each triggered by specific transaction thresholds or risk indicators.
