Quick Answer
goAML is the UAE Financial Intelligence Unit's system for suspicious transaction reports and other anti-money-laundering reports. The Ministry of Economy and Tourism says designated non-financial businesses, such as real estate brokers, accountants and auditors, dealers in precious metals and stones, and company service providers, must register on it.
What goAML is
goAML is the electronic system the UAE Financial Intelligence Unit (FIU) uses to receive suspicious transaction reports (STRs), suspicious activity reports (SARs) and other reports; the FIU says it launched in June 2019. The Ministry of Economy and Tourism (MoET) states that registration of designated non-financial companies on goAML is mandatory.
Who must register and report
MoET names four kinds of Designated Non-Financial Businesses and Professions (DNFBPs): real estate brokers and agents, auditing and accounting firms, dealers in precious metals and stones, and trust and company service providers. The FIU's list of sectors that must report also covers financial institutions, lawyers, commercial gaming operators and virtual asset service providers. Cabinet Resolution No. 134 of 2025 (Article 18) requires suspicious transaction reports to be submitted to the FIU immediately and without delay.
Registration and fines
Registration has two stages, pre-registration on the FIU's SACM portal and entity registration on goAML, made by the company's Compliance Officer or MLRO and approved by its supervisor (MoET for mainland and commercial free zone licences). Cabinet Resolution No. 71 of 2024 lists AED 50,000 to AED 200,000 for failing to register; it was issued under the 2018 law that Federal Decree-Law No. 10 of 2025 repealed, which keeps such resolutions in force until replacements are issued, and that Decree-Law allows fines of AED 10,000 to AED 5,000,000 per violation. The step-by-step process is in our goAML registration guide.
Frequently asked questions
What is goAML?
goAML is the UAE Financial Intelligence Unit's mandatory anti-money-laundering reporting platform. Designated non-financial businesses must register and file Suspicious Transaction Reports.
Who must register on goAML?
Every UAE Designated Non-Financial Business or Profession (DNFBP) — real-estate brokers, lawyers, accountants, gold dealers, corporate-services firms — must register and file AML reports.
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