What are the KYC requirements in Turkey?

Turkish KYC requirements are set by Law No. 5549 and MASAK. All obliged entities must verify customer identity, conduct CDD, apply risk-based monitoring and retain records for eight years. KYC Turkey compliance requires documents including TC Kimlik Kartı, Turkish national ID alternatives, passport and foreigner ID card for non-citizens. eKYC Turkey solutions using NFC chip verification accelerate identity verification while meeting BDDK and MASAK standards.

What is MASAK and what does AML compliance Turkey require?

MASAK is Turkey's Financial Intelligence Unit under the Ministry of Treasury and Finance. AML compliance Turkey obligations require financial institutions to conduct CDD, submit suspicious transaction reports via the MASAK Online system, maintain eight-year records and appoint a compliance officer at senior management level. MASAK compliance applies to banks, payment providers, crypto platforms and all obliged entities.

How does KVKK compliance affect KYC data handling in Turkey?

KVKK (Law No. 6698) requires all data controllers to register with VERBIS before processing personal data. KYC data is classified as personal data and must be encrypted, purpose-limited and subject to data subject access rights. KVKK compliance means cross-border transfers require equivalent protection standards. Turkish identity verification Turkey must align with both KVKK data protection and AML compliance requirements.

What documents are accepted for Turkish national ID KYC verification?

Primary documents for Turkish national ID KYC include TC Kimlik Kartı and Turkish Passport. Secondary documents include Sürücü Belgesi, Yabancı Kimlik Kartı and İkamet İzni for foreign nationals. Chip-based national ID cards with NFC receive preference. eKYC Turkey solutions support all 26 Turkish document types including biometric verification.

What are the KYB requirements for verifying Turkish businesses?

Turkish KYB verification requires Ticaret Sicil Gazetesi, Faaliyet Belgesi and Articles of Association for entity identity. Tax identity uses VKN. UBO identification is mandatory under Law No. 5549, requiring Ortaklık Yapısı, Pay Defteri and Gerçek Faydalanıcı Bildirimi documentation. KYB Turkey compliance includes verification of all beneficial owners at 25% ownership thresholds.

How does Shufti support crypto KYC Turkey compliance under CMB regulations?

Crypto KYC Turkey compliance is governed by CMB Law No. 7518, which requires platforms to obtain Capital Markets Board licences by June 2026. Shufti provides full KYC onboarding, jurisdiction verification for Travel Rule compliance, sanctions screening and eight-year record retention. Our crypto KYC Turkey solutions support CMB licence applications and post-licensing MASAK reporting obligations.

What is the data retention requirement for AML records in Turkey?

Law No. 5549 mandates eight-year retention of all AML records from the end of the business relationship. This covers KYC files, transaction records and STR documentation. AML compliance Turkey requires automated retention schedules and maintains audit-ready records for MASAK examinations and regulatory inspections.

How does Turkey's FATF membership affect AML compliance Turkey obligations?

Turkey has been a FATF member since 1991 and was removed from the grey list in June 2024 after addressing compliance gaps. Post-greylisting, MASAK and BDDK enforce heightened AML standards. FATF's 40 Recommendations guide Turkish AML policy and international correspondent banking expectations. AML compliance Turkey now requires demonstrable controls exceeding minimum standards.

What are the penalties for non-compliance with Turkish KYC and AML regulations?

Non-compliance with Turkish KYC and Law No. 5549 AML obligations results in administrative penalties and potential criminal sanctions. MASAK compliance violations attract fines; failure to maintain eight-year records, conduct proper KYC Turkey verification, or submit STRs results in enforcement action. Crypto platforms failing to obtain CMB licences by June 2026 face liquidation. Enhanced penalties apply to repeat violations.

Ireland

Identity Verification & KYC For Ireland

Shufti delivers KYC, KYB, and AML compliance for Ireland's regulatory framework, aligned to the Criminal Justice Act 2010 and Central Bank of Ireland requirements.

Operational performance for Ireland KYC

Our Numbers Speak Volumes

97.04%

Pass Rates

< 5 sec

Verification
Time

70%

eIDV
Coverage

Evidence-Ready Checks Across Ireland's People & Businesses

Individual Documents We Verify

Shufti supports 14 Irish document types.

View All Supported Documents

Irish Passport

National travel document issued by the Department of Foreign Affairs. Accepted for KYC verification across Ireland and the EU, with English and Irish text.

Irish Passport Card

Compact EU travel document issued alongside the Irish passport. Used for KYC onboarding, with biometric data and bilingual English and Irish Gaelic text.

Public Services Card (PSC)

Government-issued identity document linked to social services. Regulatory KYC status evolving; Shufti treats it as a supporting document with risk controls.

Irish Driver Licence

EU-format licence issued by the National Driver Licence Service (NDLS). Used for KYC identity and address verification, accepted by regulated Irish entities.

Business Entity Identity

Certificate of Incorporation

Legal document issued by the Companies Registration Office (CRO) certifying business formation. Contains registered name, registration number, and incorporation date. Baseline document for KYB verification.

Certificate of Incorporation on Change of Name

CRO-issued record documenting corporate name changes. Critical for KYB verification when organisation name differs from historical records. Establishes continuity and legal identity.

Business Tax Identity

Tax Registration Number (TRN) Certificate

Issued by the Revenue Commissioners confirming registered business tax identity. Contains TRN, business name, address, and tax category. Essential for AML compliance under Criminal Justice Act 2010.

VAT Registration Certificate

Revenue-issued credential for VAT-registered businesses. Confirms VAT number, business name, registration date, and exemption status where applicable. Required for cross-border EU transactions.

Ownership & Control (UBO)

Central Register of Beneficial Ownership (RBO)

Government register (rbo.gov.ie) documenting persons with significant control over companies. Mandatory filing supports beneficial ownership identification and KYB verification.

Director and Owner Identity

Supporting documents confirming identity of persons listed on CRO register and RBO. Includes passports, driver licences, and other ID types. Required for complete KYB enhanced due diligence.

Languages We Cover

Bilingual Document Handling

Irish identity documents are issued in English and Irish Gaelic. Shufti parses both languages, matches bilingual name fields, and maintains a full audit trail.

Irish Naming Conventions

Irish names with Ó, Mac, Ní prefixes and fada marks are validated natively. Shufti's matching reduces false rejections in sanctions and PEP screening.

Regulatory Evidence Standards

Verification results include language validation, character set confirmation, and cross-document checks, supporting audit trails for CBI and DPC review.

GOVERNANCE & CONTROLS

Audit-Ready Decisions, Lower Operational Drag

Fewer Avoidable Re-Submissions

No mandatory national ID card and bilingual documents require adaptive capture. Shufti reduces re-submissions by handling document-type and language variations.

Cleaner Audit Trails

Decisions log CJA 2010 compliance references, language validation, and DPC alignment evidence, producing audit-ready records for regulatory inspection.

Better Name Matching Outcomes

Ó, Mac, Ní prefixes and fada diacritics are matched natively, reducing false rejections on legitimate Irish names in PEP and sanctions screening.

One Workflow, One Back Office

KYC, KYB, and AML modules share a unified evidence library, reducing silos and simplifying regulatory reporting to FIU Ireland.

Passport-First Flow Design

Identity verification Ireland flows rely on passports and driving licences; Shufti prioritises these document types to cut rejection rates.

Enterprise-grade compliance infrastructure

Ireland IDV/KYC Challenges

Common Travel Area Risk

EU and UK passport holders cross Ireland's border under the Common Travel Area. Shufti validates issuing jurisdiction and address consistency to manage risk.

No National ID Card

No mandatory national ID card exists; the Public Services Card has evolving KYC status. Passport and driving licence remain primary verification documents.

GDPR-AML Retention Conflict

AML compliance Ireland rules under CJA 2010 section 55 mandate five-year retention; GDPR Article 17 supports erasure. Shufti's controls navigate both.

PSD2 Authentication Overlap

PSD2 strong customer authentication intersects with AML onboarding. Shufti coordinates face verification and identity checks without duplicate authentication.

Shufti's IDV/KYC Solutions for Ireland

KYC Solutions

Face Verification

Real-time liveness detection and facial matching against documents. Prevents identity theft and synthetic fraud common in KYC fintech Ireland onboarding.

Age Verification

Selfie-based age estimation combined with a document verification step. Supports age-gated journeys for gaming, betting, and regulated delivery in Ireland.

Address Verification

Shufti can verify any address-bearing document, including bills from Electric Ireland, Bord Gáis, Irish Water, Eir; and statements from AIB, Bank of Ireland.

Document Verification

Automated authenticity checks, tampering detection, and data extraction across all 14 Irish document types. Structured output supports AML and KYB workflows.

KYB Solutions

Business Verification

Registry checks against the Companies Registration Office, TRN databases, and director records. Extracts business structure, ownership, and control data.

Enhanced Due Diligence (EDD)

Beneficial ownership verification using the RBO, PEP screening, and director checks. Structured evidence collection supports FIU Ireland reporting obligations.

AML Screening

Business AML Screening

Real-time EU, UN, and OFAC sanctions screening aligned to FIU Ireland expectations. Covers global PEP databases with configurable sector-specific rules.

Transaction Screening

Ongoing monitoring aligned to goAML indicators from FIU Ireland. Supports threshold detection, suspicious activity flagging, and continuous AML compliance.

REGULATORY ALIGNMENT

Built to Fit Ireland's Compliance Landscape

Central Bank of Ireland (CBI)

Regulates credit institutions, payment firms, and financial markets in Ireland. Shufti aligns KYC evidence trails and audit records to CBI inspection criteria. Official Website: https://www.centralbank.ie/

Financial Intelligence Unit Ireland (FIU Ireland)

Receives Suspicious Transaction Reports via goAML and coordinates financial crime response. Shufti aligns AML screening to FIU Ireland's goAML workflow. Official Website: https://fiu-ireland.ie/Home

Data Protection Commission (DPC)

Enforces GDPR and Data Protection Act 2018 governing Irish personal data handling. Shufti delivers DPC-aligned encryption, retention, and verified audit trails. Official Website: https://www.dataprotection.ie/en

Companies Registration Office (CRO)

Maintains Ireland's company register, directors, and beneficial ownership records. Shufti uses live CRO data to verify business identity and control for KYB. Official Website: https://cro.ie/

Revenue Commissioners

Administers tax registration, VAT, and AML supervision for Irish businesses. Shufti verifies TRNs and VAT certificates to confirm business tax standing. Official Website: https://www.revenue.ie/

Charities Regulator

Oversees charities for financial transparency and ownership disclosure. Shufti's KYB tools support charity verification and beneficial owner screening. Official Website: https://www.charitiesregulator.ie/

Department of Finance

Coordinates Ireland's AML/CFT policy and EU directive transposition. Shufti aligns to Department guidance on beneficial ownership and sanctions compliance. Official Website: https://www.gov.ie/en/department-of-finance/

Deployment Choice

Available via AWS eu-west-1 (Dublin) or Azure North Europe (Ireland) for in-country data residency. On-premise deployment options are available on request.

Regulatory Alignment

Aligned to GDPR, the Data Protection Act 2018, and Criminal Justice Act 2010 recordkeeping obligations, enforced by Ireland's Data Protection Commission.

Retention Controls

Configurable retention settings enforce the Criminal Justice Act 2010 section 55 five-year minimum, with purge controls supporting GDPR erasure rights.

Encryption Posture

Encryption applied to all personal and financial data in transit and at rest, aligned to GDPR Article 32 requirements and Data Protection Commission guidance.

Data and Privacy Controls in Ireland

BUILT FOR COMPLIANCE TEAMS

Ireland AML Sources That Strengthen Decision

House of Assembly of Ireland

Ireland National Police and Security Service

The Irish Times

Front Line Defenders

RTE News

The Independent

House of Assembly of Ireland

Ireland National Police and Security Service

The Irish Times

Front Line Defenders

RTE News

The Independent

House of Assembly of Ireland

Ireland National Police and Security Service

The Irish Times

Front Line Defenders

RTE News

The Independent

House of Assembly of Ireland

Ireland National Police and Security Service

The Irish Times

Frequently Asked Questions

What are the KYC requirements under Ireland's Criminal Justice Act 2010?

KYC requirements Ireland's Criminal Justice Act 2010, amended in 2018 and 2021, imposes on designated entities include identity verification, beneficial ownership confirmation, and risk-based due diligence. Shufti automates each step with documented evidence.

What documents are needed for identity verification in Ireland?

Shufti supports Irish passport verification, passport card, Public Services Card (PSC), driver licence, and PPS number (as a data point). KYB uses CRO certificates, tax registration numbers, and RBO beneficial ownership entries.

How long must KYC and AML records be retained in Ireland?

Criminal Justice Act 2010 section 55 mandates minimum five-year retention of KYC and AML records from the end of a business relationship. Shufti enforces this with configurable purge controls to balance AML and GDPR erasure obligations.

What is the Fifth Money Laundering Directive and how does it apply in Ireland?

The Fifth Money Laundering Directive (5AMLD) extended AML scope to virtual asset service providers and strengthened beneficial ownership requirements. Ireland transposed 5AMLD via the Criminal Justice Act 2010 Amendment Act 2021.

How do GDPR requirements intersect with AML record-keeping obligations in Ireland?

GDPR Article 17 grants erasure rights; Criminal Justice Act 2010 section 55 mandates five-year retention. Shufti enforces the retention floor, flags erasure requests for compliance review, and maintains documented lawful basis under GDPR Article 6(1)(c).

What is the Central Register of Beneficial Ownership (RBO) and who must register?

The RBO (rbo.gov.ie) is Ireland's statutory register capturing persons who own or control more than 25% of an entity. All incorporated Irish companies must file. Shufti verifies RBO entries against claimed ownership for KYB compliance.

What is the difference between KYC and KYB in Irish compliance?

KYC verifies individual identity, residency, and risk profile. KYB Ireland verifies company registration, directors, beneficial owners, and control structure. Both are mandated under the Criminal Justice Act 2010; Shufti delivers both in one platform.

How does PSD2 strong customer authentication affect KYC onboarding in Ireland?

PSD2 requires strong customer authentication (SCA) for electronic payments. Shufti's face verification and document checks satisfy SCA requirements while serving KYC objectives, avoiding duplicate authentication and reducing customer friction.

What are the penalties for AML non-compliance in Ireland?

Criminal Justice Act 2010 violations carry fines not exceeding €5,000 and/or imprisonment up to 12 months on summary conviction; on indictment, unlimited fines and/or imprisonment up to 14 years. The Central Bank of Ireland also imposes administrative sanctions for systemic AML failures.

Build a Ireland-ready KYC, KYB & AML programme with Shufti

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INDEPENDENTLY AUDITED. GLOBALLY CERTIFIED.

Certified to Global Standards

PROVEN WORKFLOWS

Use Cases for Regulated Growth in Ireland

Marketplace

Banking

Crypto

Fintech

Forex

Gaming

Gig Economy

Marketplace

Banking

Crypto

Fintech

Forex

Gaming

Gig Economy

Marketplace

Banking

Crypto

Fintech

Forex

Gaming

Gig Economy

Reduce Fraud Without Blocking Growth

Shufti supports marketplace integrity by verifying seller and buyer identities, enabling age-gated journeys where needed, and preserving evidence to support investigations, disputes, and risk-led enforcement actions.

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Secure Trust at Every Transaction

Automate KYC and AML workflows to reduce manual onboarding costs. Strengthen residency checks while delivering the frictionless digital experience modern customers expect.

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Scale Your Exchange with Confidence

Balance anonymity with compliance. Instantly verify user jurisdiction to meet Travel Rule obligations and help stop abuse without slowing down legitimate trading volume.

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Accelerate Growth, Eliminate Friction

Onboard users in seconds, not days. Deploy tiered address verification flows that maximise completion rates for genuine users while filtering out synthetic fraud.

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Onboard Global Traders in Real-Time

Verify investors across 250+ countries & territories. Ensure compliance with international financial regulations while preventing identity theft and high-risk chargebacks.

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Power a Fair & Secure Player Experience

Reduce bonus abuse and multi-accounting rings at the door. Enforce location rules and trigger step-up checks without disrupting the player journey.

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Build a Trusted, Verified Workforce

Screen freelancers and drivers at scale. Verify residency and reduce onboarding friction while maintaining trust between users.

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Let’s Tailor your journey

Just a few quick questions to guide your Shufti experience.

Which products would you like to check out?

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KYB

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Deepfake Detection

Face and ID Verification

Age Verification

Others

What is your expected yearly verification volume?

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1,001 to 5,000

5,001 to 20,000

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100,001 to 1,000,000

1,000,000+

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