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.

Jordan

Identity Verification & KYC For Jordan

Shufti's real-time identity verification, Know Your Customer and KYB compliance platform for Jordan. Meet CBJ and AMLU regulatory requirements in seconds, not days.

Operational performance for Jordan KYC

Our Numbers Speak Volumes

97.84%

Pass Rates

< 5 sec

Verification
Time

100%

Omni-format document
recognition

Evidence-Ready Checks Across People & Businesses in Jordan

Individual Documents We Verify

Shufti supports 14 Jordanian document types for identity verification and compliance workflows.

View All Supported Documents

National Identity Card (الهوية الوطنية)

Smart card with 28 security features, including iris scanning and fingerprint recognition. Issued by the Civil Status and Passport Department, the primary document for Jordanian KYC.

Passport (جواز السفر)

Issued by CSPD; accepted for KYC and high-value transactions. Valid secondary identity document for Jordanian financial services compliance workflows.

Driver's Licence (رخصة القيادة)

Issued by the Licensing Department under the Ministry of Interior; accepted for KYC. Serves as proof of identity and address verification for residency.

Business Entity Identity

Commercial Registration Certificate (شهادة التسجيل التجاري)

Issued by the Companies Control Department; required for all company types, including LLCs, PSCs, partnerships, and foreign branches.

Articles of Association (النظام الأساسي)

Publicly filed with the Companies Control Department; includes company objectives, directors, shareholders, and governance structure.

Business Tax Identity

Tax Registration Number (رقم التسجيل الضريبي)

Unique identifier issued by the Income and Sales Tax Department; mandatory for all registered businesses; verifiable online.

Ownership & Control (UBO)

Beneficial Owner Registry

Under Regulation No. 62 of 2022; captures natural persons owning 20% or more of capital or voting rights; changes disclosed within 30 working days.

Languages We Cover

Document Language And Script

Official documents issued in Arabic script; national smart ID is bilingual (Arabic/English). Verification workflows process both languages and scripts.

Name Matching Across Transliteration Standards

Arabic names vary by romanization convention. Shufti's matching engine accommodates multiple spelling variants to reduce false rejections in screening.

Evidence Consistency Across Document Types

Shufti verifies consistent identity data across national IDs, passports, and tax records, despite varying data capture standards across issuing agencies.

GOVERNANCE & CONTROLS

Audit-Ready Decisions, Lower Operational Drag

Risk-Led Verification Reduces False Declines

Route low-risk customers through rapid checks; apply enhanced due diligence where signals emerge.

Biometric Matching Prevents Synthetic Fraud

Smart ID biometric data prevents identity mismatch and document theft before Jordanian account opening.

Language Support Unlocks Regional Coverage

Process Arabic and bilingual documents in one step. Serves all governorates without manual-review bottlenecks.

Regulatory Evidence Built Into Every Decision

Timestamp every step, retain 5-year audit trails, and document due diligence rationale. Pass CBJ and AMLU inspections.

Real-Time AML Screening Stops Sanctioned Risks

Screen goAML, AMLU, and global sanction lists in milliseconds. Flag high-risk customers before funds move.

Enterprise-grade compliance infrastructure

Jordan IDV/KYC Challenges

Document Fraud And Tampering

Sophisticated ecosystem enables fake national IDs and tampering. Advanced detection required to block synthetic identity fraud emerging in Jordan.

Informal Economy & Cash Sector

A cash-heavy informal sector limits AML visibility. Rural firms remain unbanked with digital infrastructure gaps and financial inclusion barriers.

Cross-Border Hawala Monitoring

Hawala networks operate with minimal documentation, creating money laundering and terrorist financing risks that require enhanced due diligence.

Rural Digital Infrastructure

Broadband lags in rural governorates. Digital-payment gaps constrain eIDV adoption and compliance monitoring across Jordan's remote areas.

Shufti's IDV/KYC Solutions for Jordan

KYC Solutions

Face Verification

Selfie-based facial recognition verifies identity against government-issued documents. Liveness detection prevents presentation attacks and deepfake fraud.

Age Verification

Selfie-based age estimation or document-based age verification for age-gated services. Supports gaming, alcohol, and age-restricted financial products.

Address Verification

Validates residency using Jordanian utilities (JEPCO, Miyahuna, Orange Jordan, Zain, Umniah) and major banks (Arab Bank, Housing Bank, Bank of Jordan).

Document Verification

Authenticates Jordanian national ID cards, passports, and driver's licences. Detects forgery, tampering, and data inconsistencies across all document types.

KYB Solutions

Business Verification

Verifies corporate identity and tax registration via Companies Control Department and ISTD databases. Confirms legal entity status and tax compliance for KYB.

Enhanced Due Diligence (EDD)

Identifies beneficial owners above the 20% threshold under Regulation No. 62 of 2022. Cross-references ownership disclosures against sanctions and PEP lists.

AML Screening

Business AML Screening

Cross-reference corporate data against AMLU sanctions lists, the goAML reporting system, and FATF databases. Flags high-risk jurisdictions and PEP matches.

Transaction Screening

Continuous monitoring of transaction patterns for suspicious activity. Automates Suspicious Transaction Report filing within a three-business-day window.

REGULATORY ALIGNMENT

Built to Fit Jordan's Compliance Landscape

Central Bank of Jordan (CBJ)

Monetary authority supervising banks, payment systems, and the insurance sector. Shufti's KYC workflows align with CBJ customer due diligence and AML monitoring requirements. Official Website: https://www.cbj.gov.jo/

Anti-Money Laundering and Counter Terrorist Financing Unit (AMLU)

Financial Intelligence Unit governing AML/CFT compliance and analysing STRs under Law No. 20 of 2021. Shufti integrates goAML STR filing and AMLU sanction screening. Official Website: https://www.amlu.gov.jo/Default/EN

Jordan Securities Commission (JSC)

Regulates capital markets, securities firms, and the Amman Stock Exchange. Shufti's KYB supports JSC-compliant beneficial owner verification for securities firms. Official Website: https://www.jsc.gov.jo/

Companies Control Department (CCD)

Manages company registration and beneficial ownership records under Companies Law No. 22 of 1997. Shufti validates commercial registration and Regulation No. 62 UBO disclosure. Official Website: https://ccd.gov.jo/Default/En

Income and Sales Tax Department (ISTD)

Tax authority issuing Tax Identification Numbers for individuals and businesses. Shufti verifies corporate TINs via ISTD portal for KYB and AML due diligence. Official Website: https://istd.gov.jo/Default/En

Civil Status and Passport Department (CSPD)

Issues national identity cards with 28 security specifications and Jordanian passports. Shufti authenticates CSPD documents including biometric data for identity verification. Official Website: https://www.cspd.gov.jo/Default/En

CBJ Insurance Supervision Directorate

Supervises Jordan's insurance sector under Insurance Business Regulation Law No. 12 of 2021. Shufti supports insurance KYC compliance and policyholder identity verification. Official Website: https://www.cbj.gov.jo/En/Pages/Insurance_Sector_Supervision

Deployment Choice

No cloud regions exist in Jordan. Shufti deploys on AWS Middle East (UAE), Azure UAE North, or GCP Doha/Dammam, maintaining data security and compliance.

Regulatory Alignment

Personal Data Protection Law No. 24 of 2023 mandates explicit consent for data processing before verification begins. Full compliance deadline: 17 March 2025.

Retention Controls

AML Law No. 20 of 2021 mandates five-year minimum retention of customer ID documents. Shufti maintains timestamped audit trails for regulatory review.

Encryption Posture

PDPL mandates appropriate security for personal data confidentiality and integrity. Shufti applies encryption in transit and at rest, meeting PDPL standards.

Data and Privacy Controls in Jordan

BUILT FOR COMPLIANCE TEAMS

Jordan AML Sources That Strengthen Decision

The Anti Money Laundering and Counter Terrorist Financing Unit - National List

The Anti Money Laundering and Counter Terrorist Financing Unit - Sanctions List

Jordan Securities Commission - Circulars and Regulatory Decisions

Jordan Times

Ammon News

Frequently Asked Questions

What are the KYC document requirements in Jordan?

Jordanian financial institutions require national ID cards, passports, or driver's licences issued by the Civil Status and Passport Department. The national smart ID card is gold standard with 28 security features, iris scanning, and fingerprints. All documents must be current and unexpired.

Who regulates KYC and AML compliance in Jordan?

The Central Bank of Jordan (CBJ) and the Anti-Money Laundering and Counter-Terrorist Financing Unit (AMLU) jointly oversee KYC and AML compliance. CBJ issues customer due diligence instructions; AMLU receives Suspicious Transaction Reports within three business days and maintains sanction lists.

What is the AML reporting timeline in Jordan?

Financial institutions must file Suspicious Transaction Reports (STRs) with AMLU within three business days of detecting suspicious activity. Reporting occurs through goAML, an enhanced online portal launched in 2023. Delayed or missing STRs trigger regulatory penalties.

How long must KYC records be retained in Jordan?

Under Anti-Money Laundering and Counter Terrorist Financing Law No. 20 of 2021, KYC and transaction records must be retained for a minimum of five years. Retention covers customer identification documents, transaction history, and suspicious activity reports. Shufti maintains timestamped, immutable audit trails supporting this requirement.

What is a beneficial owner in Jordan?

A beneficial owner (المالك المستفيد النهائي) is a natural person owning or controlling 20% or more of a company's capital or voting rights, directly or indirectly. Under Regulation No. 62 of 2022, companies must disclose beneficial owner changes to the Companies Control Department within 30 working days.

Does Jordan have crypto AML compliance regulations?

Yes. Law No. 14 of 2025 establishes Virtual Assets Regulation, requiring VASPs to comply with full KYC, AML, and CTF controls overseen by Jordan Securities Commission (JSC). Crypto exchanges must implement travel rule and sanction list screening.

What data protection laws apply to KYC in Jordan?

The Personal Data Protection Law No. 24 of 2023 mandates explicit consent for data processing and 72-hour breach notification. Full compliance deadline is 17 March 2025. PDPL restricts third-party data transfer without consent, except for competent authorities performing legal functions.

How does Jordan comply with FATF AML standards?

Jordan is a Full Member of the Middle East and North Africa Financial Action Task Force (MENAFATF) and was removed from the FATF grey list in October 2023. The country is rated Compliant on 9 and Largely Compliant on 27 of the FATF 40 Recommendations, demonstrating strong AML/CFT alignment.

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

Check Pricing Request Demo

INDEPENDENTLY AUDITED. GLOBALLY CERTIFIED.

Certified to Global Standards

PROVEN WORKFLOWS

Use Cases for Regulated Growth in Jordan

Fintech

Forex

Banking

Gaming

Gig Economy

Crypto

Marketplace

Fintech

Forex

Banking

Gaming

Gig Economy

Crypto

Marketplace

Fintech

Forex

Banking

Gaming

Gig Economy

Crypto

Marketplace

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.

Learn More Try Now

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.

Learn More Try Now

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.

Learn More Try Now

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.

Learn More Try Now

Build a Trusted, Verified Workforce

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

Learn More Try Now

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.

Learn More Try Now

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.

Learn More Try Now