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For financial services
Onboard clients remotely, without the email chain
Verify clients and their representatives, collect KYC answers and documents, and sign agreements with a qualified electronic signature, on one record per client.
From 10 July 2027, the EU AML Regulation applies to every credit and financial institution.
Download the client file
Sound familiar?
KYC packs by email don't survive an inspection
INBOX
KYC pack (14 attachments)
From the investor
Half the industry still runs KYC on email.
Nearly half of fund managers still rely on spreadsheets and email for KYC, and two-thirds in Europe (IQ-EQ survey, 2026).
One record per client, with answers, documents and dates.
INBOX
Re: Re: Re: source of funds
700 emails in two weeks
The back-and-forth never ends.
One onboarding team counted 700 emails with a single investor group in two weeks (IQ-EQ survey, 2026).
Requests and documents in the client's Trust Circle, with status.
FILE REVIEW
Source of wealth not evidenced
Supervisor finding
Supervisors find the same gaps in every file.
The Dutch central bank fined Intertrust €2.5 million after all 10 files it checked were deficient.
A scored questionnaire per client, renewed on schedule.
The rules
Remote onboarding rules are getting stricter
EBA/GL/2022/15
Remote onboarding guidelines
The EBA expects liveness checks, good image quality and records an inspector can review for every client onboarded remotely.
AMLR Article 26
Fresh data on schedule
Client information must be updated at least every year for higher-risk clients and every 5 years for everyone else.
AMLR Article 77
Five years of records
Due diligence records are kept for 5 years after the relationship ends.
The EU AML Regulation applies to credit and financial institutions from 10 July 2027.
See how Trust Circle maps to AMLR, article by article →How it works for a new client
From first contact to signed agreement
- 01
Invite the client
Send one secure link to the client or their representative.
- 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, source of funds, PEP status, sanctions and tax residence, scored into a risk level.
- 04
Sign the agreement with a QES
Subscription, client or credit agreements, signed in the ZealiD app or inside DocuSign or Adobe Acrobat Sign.
Higher-risk clients renew every 12 months, automatically.
KYC
A file your compliance team can stand behind
Every client shows identity status, KYC status, risk level, the questionnaire version they answered and the date their answers run out.
Document sharing
Source-of-funds documents, not attachments
Each client gets a Trust Circle for statements, register extracts and agreements. Everyone in it is identity-verified.
Qualified signature
Agreements that need written form
German consumer loan agreements need written form, which only a qualified signature replaces electronically (BGB §492). A QES has the legal effect of a handwritten signature in every EU country (eIDAS Article 25(2)).
Credit agreement.pdf
Scan with the ZealiD app to sign
Qualified electronic signature · qualified timestamp
Commercial banking · ABN AMRO
Read the case study →14 days → 10 minutes to sign a credit or guarantee agreement
€50 saved per agreement, and 70+ processes moved to QES.
“We are building a future-proof bank, digital by design… Our business clients can now sign their credit and guarantee documentation digitally with ZealID, a provider of qualified electronic signatures and a partner of ABN AMRO.”Robert Swaak, CEO, ABN AMRO, Q2 2022 report
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
Plans for financial 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
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 client through remote onboarding
Verify them, score the risk and sign the agreement, in one place.
FAQ
Questions from financial firms
Can we onboard company clients?
The questionnaire is built for the people you deal with. Beneficial ownership checks follow your own process.
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.
Who in my firm can see KYC data?
The Owner, Admins and Users of your business account. External members of your Trust Circles never do.
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.
Does Trust Circle screen clients against sanctions lists?
Not itself. The client answers sanctions declarations, and your staff record the screening provider, lists checked and result in a section the client never sees.
Which plan do we need?
Professional with the KYC add-on for up to 10 users. Enterprise for larger teams, with KYC in a custom plan.
More questions? See all answers on ZealiD Answers →