kyccost

Independent reference. Not legal or regulatory advice. Consult a qualified compliance specialist for advice specific to your jurisdiction and risk profile. See methodology.

Cluster 12 / Tool

KYC cost calculator: per-customer and annual budget.

Six inputs, a defensible per-customer figure, and an annual operating cost line. Business-model presets, jurisdiction, build / buy / hybrid switch. No email gate. The output is the page; nothing is captured.

Per-customer + annual onboarding + annual ongoing = total annual KYC operating cost

Inputs
Business model preset
100,000
15%
150,000
Jurisdiction
Approach
Output
Fully-loaded per-customer onboarding cost
£12.90 - £35.20
Annual onboarding cost
£1,290,000 - £3,520,000
Annual ongoing cost (active book)
£2,100,000 - £4,200,000
Total annual KYC operating cost
£3,390,000 - £7,720,000
Indicative blended figure. Sources and assumption set on the methodology page. No data leaves your browser; nothing is captured.
Send to your CFOno email captured

What's inside the headline number.

The per-customer onboarding figure decomposes into five components: identity verification, sanctions / PEP / adverse media screening, ops labour for alert review, EDD overlay weighted by your high-risk population, and the year-one share of ongoing monitoring on the active book. The annual ongoing figure is a separate calculation against the active customer base size.

The build / buy / hybrid switch applies an indicative TCO adjustment factor: build returns roughly 8% lower per-customer at scale (volume above 250k), reflecting the fixed-cost amortisation of an in-house workflow / decisioning / case-management stack. Hybrid sits between. See the build vs buy page for the full crossover analysis.

Each component links to its source page for the detailed assumption set: per-customer cost, CDD vs EDD, sanctions screening, false-positive cost, ongoing cost.

Calculator questions

Is there a free KYC cost calculator?+
This one. No email gate, no PDF lead magnet, no vendor-funnel terms-of-use. Six inputs return a defensible per-customer figure plus annual operating cost. The math is on the methodology page; the cost data is centralised in a single JSON file the maintainers update when sources change.
How do you estimate KYC cost for a new fintech?+
Pick the closest business-model preset. Set onboarding volume to your year-1 plan. Set EDD population to the realistic high-risk share for your segment (3-7% retail challenger; 8-30% EMI; 15-40% crypto; 30-60% broker). Pick jurisdiction. The calculator returns a fully-loaded per-customer figure that is defensible in a board pack. For year-1 fintechs, use the lower volume bracket because the volume-discount effect is real.
Can I model KYC cost by risk tier?+
Yes. The EDD population slider models the blended cost as the weighted average of CDD baseline plus EDD overlay. For more detailed risk-tier modelling (SDD vs CDD vs EDD as three distinct populations), use the calculator twice with different EDD population settings and combine the results.
Why does the result range show low and high?+
Vendor commercials, ops labour rates, EDD overlay cost and monitoring cost all carry meaningful variance. The low figure assumes mid-tier vendor pricing, efficient ops, junior-analyst-led case work, and conservative monitoring cadence. The high figure assumes premium vendor pricing, less-efficient ops, senior-MLRO involvement on a higher share of cases, and higher-cadence monitoring.

Sources cited on this page

  1. Centralised cost data: data/kyc-costs.ts on this site · all figures sourced and dated; revised when underlying source updates
  2. ComplyCube and Sumsub published pricing pages
  3. Methodology and full source list