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Compare › Xama
ZealiD vs Xama
Xama is AML compliance for UK accountants and bookkeepers, with the lowest published check prices we found and no minimum spend. Trust Circle verifies each client, shares their files and handles qualified signatures, with no fee per check. Here is how they compare.
In short
Xama wins on price for UK AML checks.It publishes every price: £2.63 per ID document check, £2.10 per AML check and £1.58 a year for monitored PEP and sanctions screening, with "no long-term contracts or minimum spend". Of the UK tools we compared, its published prices are the lowest. If UK ID and AML checks are all you need, Xama is hard to beat.
Trust Circle has no fee per check.In Trust Circle each client verifies once with an ID document and a face check, valid for two years. The check is included in every plan, with no limit, and your client doesn't pay.
Trust Circle also shares and signs.Xama has no e-signature. Trust Circle gives each client a shared space for their files and a qualified signature. Firms that need screening can keep Xama for it and record the result in the KYC questionnaire.
ZealiD and Xama, side by side
Sources: Xama pricing, Xama homepage and ZealiD pricing. Checked November 2026. Qualified status checked on the EU Trusted List.
Where they really differ
AML screening built in, or recorded from your own tool
Xama runs AML checks, PEP and sanctions screening, adverse media and ongoing monitoring, priced per check. Trust Circle checks identity with an ID document and a face check, and stops there. If you need screening, you run it in a tool built for it, such as Xama, and note the result in the KYC questionnaire. What Trust Circle adds is the rest of the client file: shared documents and qualified signatures.
What each one covers
A low price per check, or no price per check
Xama keeps each check cheap: £2.63 for an ID document check, paid in credits. In Trust Circle, each client verifies once in the ZealiD app and stays verified for two years. The check is part of your plan, with no limit, and your client doesn't pay.
Price a year of checks, and what sits around them
Count last year's ID checks, AML checks and monitored clients, and price them with Xama's published prices, plus Core at £13 a month. Then add what you pay for the tools around the checks: e-signature, file sharing and anywhere you keep client documents.
Put that total next to the Trust Circle plan for your team. If checks are all you need, Xama's prices are the lowest we found. If you also share and sign, compare the full set.
Your last 12 months
What each one costs
Xama is pay as you go: a free Starter plan or Core at £13 a month, plus credits for each check, with no minimum spend. Trust Circle is priced per plan, billed yearly, with identity verification included and a set allowance of qualified signatures.
Xama
Credits £0.525 each, ex VAT. No minimum spend
See Xama pricing →Trust Circle
A month, billed yearly. ID checks included
See pricing →Which one is right for you?
Choose Xama if:
- You only need UK ID and AML checks, at the lowest published price
- You want PEP, sanctions and adverse media screening with monitoring
- You want no contract and no minimum spend
- You are a UK accountant or bookkeeper
Choose Trust Circle if:
- You want ID checks without a fee per check
- You want a verification that stays valid for two years
- You share documents with clients, not just check them
- Your clients sign with a qualified signature
- You have clients in the EU as well as the UK
Use both if: you're a UK accountant who wants Xama's low-cost screening. Keep Xama for AML checks, record the result in the KYC questionnaire, and use Trust Circle for client files and qualified signatures.
What Trust Circle doesn't do
Live sanctions and PEP screening, beneficial ownership checks and the risk decision stay with your firm.
It doesn't run adverse media checks.
What our customers say
Following a challenging couple of weeks during which our previous TSP partner refused to accept the latest form of identity documents from Malta, it became crucial for us to locate a provider who could smoothly integrate it into our system. ZealiD offers a robust platform and a competitive pricing model which is among the finest in the industry.
Paper procedures are a no-go for modern businesses with complicated signing journeys and long delays. It was time for us to go digital, and ZealiD came through with a user-friendly and simple solution that cut our signing cycles from weeks to just minutes ensuring the highest level of security.
ABN AMROMicrosoftDLA PiperBird & BirdBinderrOyster HRCALIPIA
Verify, share and sign in one place
- Identity verification in every plan, no fee per check
- Verified once, valid for two years
- ZealiD AB is a qualified trust service provider on the EU Trusted List
- Documents stored in Stockholm, EU
Common questions
Does Trust Circle screen clients against sanctions and PEP lists?
No. Trust Circle verifies who your client is, but it doesn't run live sanctions or PEP screening. You keep a screening tool, such as Xama, and record its result in the KYC questionnaire next to the client's verified identity. The KYC questionnaire is an add-on on Professional, €100 a month.
Does identity verification cost extra?
No. It's included in every Trust Circle plan, from Micro to Enterprise, with no limit on how many clients you verify and no fee per check. Your client doesn't pay either, and the verification stays valid for two years. See plans.
How much does Xama cost?
Xama has a free Starter plan and a Core plan at £13 a month. Checks are paid in credits at £0.525 each, ex VAT: £2.63 for an ID document check, £2.10 for an AML check and £1.58 a year for monitored PEP and sanctions screening. There are no long-term contracts or minimum spend. Xama pricing.
Is Xama cheaper than Trust Circle?
For UK ID and AML checks alone, Xama's published prices are the lowest we found. Trust Circle covers different ground: identity checks with no fee per check, a shared space for each client's files and qualified signatures. Which costs less depends on how many clients you check and what else you pay for today. See plans.
Does Xama offer electronic signatures?
No. Trust Circle includes qualified electronic signatures from ZealiD, a qualified trust service provider. Qualified electronic signature.
Is ZealiD a qualified trust service provider?
Yes. ZealiD AB is on the EU Trusted List (Sweden), supervised by PTS and audited every year by TÜViT and SRC Security. Files in Trust Circle are kept in Stockholm, EU. Certifications and compliance.