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For accountants and auditors
Know every client before you take on their books
Verify identity, run your KYC questionnaire, sign the engagement letter and share documents, on one record per client. Identity checks are included in every plan, with no fee per check.
From 10 July 2027, the EU AML Regulation makes every new client relationship a due diligence job.
Download file for your supervisor
Sound familiar?
Client checks by email pass until the inspection
INBOX
Re: passport_scan.jpg
From the new client
A passport copy isn't a check.
Swedish inspectors say it is common for firms' checks to stop at collecting ID documents.
The client scans their ID and does a liveness check on their phone. About 3 minutes, valid for 2 years.
SHARED DRIVE
KYC reviews 2024.xlsx
Last edited 14 months ago
Reviews live in a spreadsheet.
Under AMLR, higher-risk clients need fresh data every year and all others at least every 5 years.
Renewal requests go out by themselves, 30 days before answers expire.
SUPERVISOR
Please send the risk assessment for these 5 clients
Reply needed by Friday
The file can't show what you did.
The risk assessment is the most common failing found in supervision.
Every answer, score and version is kept on the client's record, ready to download.
Why now
Supervisors already fine small firms for this
Sweden · 2025
SEK 40,000–550,000Fines the Stockholm County Board set for accounting firms in 2025 for AML failings.
Länsstyrelsen Stockholm →Netherlands
€4,900–9,908Fines the Dutch BFT set for administratiekantoren for weak client due diligence.
Bureau Financieel Toezicht →The EU AML Regulation applies from 10 July 2027. Accountants, auditors and tax advisors are obliged entities under Article 3(3)(a).
See how Trust Circle maps to AMLR, article by article →How it works for a new client
From first email to signed engagement in one place
- 01
Invite the client
Add them to your People directory and send one secure link.
- 02
They verify once
ID document scan and liveness check on their phone. Valid for 2 years, with no fee per check.
- 03
They answer your KYC questionnaire
Purpose of the engagement, occupation, source of funds, PEP status, sanctions and tax residence, scored into a risk level.
- 04
You both sign the engagement letter with a QES
Then share the books, statements and reports in the same Trust Circle, not by email.
Renewal runs on schedule. Trust Circle asks for fresh answers 30 days before they expire.
KYC
A KYC file your supervisor can read
Every client shows identity status, KYC status, risk level, the questionnaire version they answered and the date their answers run out. Download a client's full history in one go.
Document sharing
Documents out of the inbox
Each client gets a Trust Circle where you share statements, payroll files and reports. Everyone in it is identity-verified, so you know who downloaded what.
Qualified signature
Engagement letters signed in minutes
A qualified electronic signature has the same legal effect as a handwritten one in every EU country (eIDAS Article 25(2)). Clients sign in the ZealiD app by scanning a QR code. It also works inside DocuSign and Adobe Acrobat Sign if you already use them.
Engagement letter 2026.pdf
Scan with the ZealiD app to sign
Qualified electronic signature · qualified timestamp
What it costs
Onboarding tools charge per client. Trust Circle doesn't.
Prices from the providers' public pricing pages, checked 6 Nov 2026: Thirdfort for accountants. Trust Circle prices are billed yearly.
Customer KYC · DocuSign
Read the case study →Meets German AML rules (GwG)
DocuSign resells ZealiD's qualified signature, with ID document data, to its customers in German finance for remote identification.
Pricing
Two plans for accounting firms
Professional + KYC add-on
€119.20 a month, billed yearly
+ €100 a month for KYC
- Up to 10 users
- 75 QES a month
- KYC questionnaires, risk scoring and automatic renewal
Starter
€39.20 a month, billed yearly
- Up to 3 users
- 15 QES a month
- DocuSign, Adobe and Microsoft integrations
- No KYC questionnaire
Identity verification is included in every plan, with no fee per check. See all plans →
For your IT and security review
Answers your security team will ask for
- ZealiD AB is a Qualified Trust Service Provider on the EU Trusted List (Sweden)
- Supervised by the Swedish Post and Telecom Authority (PTS)
- Audited every year by TÜViT, an accredited eIDAS conformity assessment body
- Documents stored in Stockholm, EU
- Client consent recorded
ZealiD AB
QUALIFIED TRUST SERVICE PROVIDER
Put your next new client through Trust Circle
Verify them, score the risk and sign the engagement letter, before the first invoice.
FAQ
Questions from accounting firms
Are accountants covered by the EU AML Regulation?
Yes. Article 3(3)(a) lists auditors, external accountants and tax advisors as obliged entities. It applies from 10 July 2027, and due diligence is needed for every new business relationship (Article 19).
Is a passport copy by email enough?
A copy shows you have a document, not that the person holds it. Trust Circle checks the document and the person with a liveness check.
Do engagement letters need a qualified signature?
Usually not by law. A QES gives them the same legal effect as a handwritten signature across the EU, and it ties the signature to a verified identity.
Does identity verification cost extra?
No. It is included in every plan, from Micro to Enterprise, with no limit on how many people you verify. The person verifying doesn't pay either. A verification stays valid for 2 years.
How often do clients renew their KYC?
You choose 6, 12, 24 or 36 months, and Trust Circle sends the request 30 days before the answers expire. Under AMLR, higher-risk clients need fresh data at least every year and everyone else at least every 5 years.
Can we onboard company clients?
The questionnaire is built for the people you deal with. Beneficial ownership checks follow your own process.
Which plan do we need?
Professional with the KYC add-on if you are under AML supervision. Starter if you need identity, documents and signing without the KYC questionnaire. See plans.
More questions? See all answers on ZealiD Answers →