Step by step guide | Call + 44 (0) 207 993 4081
Know Your Client / Anti Money Laundering The Process
Applies to all clients wishing to establish a business relationship with Stonelink International.
Enhanced Due Diligence for All Entities
Where an asset is held within a corporate, limited company, trust, or offshore vehicle, our fiduciary mandate requires a forensic ‘look-through’ protocol. We analyse the layers of control to identify the Ultimate Beneficial Owners (UBOs) and ensure absolute alignment with recent Anti-Money Laundering (AML) regulations. This transparency protects the integrity of the transaction and ensures 100% certainty for all stakeholders.
For a confidential technical briefing regarding your structure or the specific documentation required, click on the list below or contact us immediately. Call: +44 (0) 207 993 4081 or contact us
Our HMRC Anti-Money Laundering Supervision Registration Number: X Y M L 0 0 0 0 0 1 0 8 3 6 7
Click on the list below to understand and know the type of documents you will need to provide.
List A – Identity Documents
Stonelink International requires one (1) of the following documents from List A:
1. Current signed passport
2. Valid UK driving licence
3. EEA member state identity card
List B – Proof of Address
Stonelink International requires Individual Identity Evidence from List A (Above) PLUS two (2) of the following documents from List B:
1. UK/EU/EEA Drivers Licence (if UK Drivers Licence not used as ID)
Must be valid, not expired. Photo only. Full or provisional.
2. Bank, Building Society or Credit Union Statement
Dated within 3 months. Must include account number and show recent activity. No general correspondence.
3. Credit Card Statement
Dated within 3 months. Must include account number and show recent activity. No general correspondence.
4. UK, EU, EEA Mortgage statement
Dated within 3 months. Must show account number. No general correspondence.
5. Utility Bill
Dated within 3 months E.g. Gas, electricity, water. Must show address for service and/or account number. No general correspondence.
6. Telephone Bill
Dated within 6 months E.g. Landline or mobile pay monthly (excluding pay as you go). Must show address for service and/or account number. No general correspondence.
7. Council Tax
Dated within 12 months. Must show address for service and/or account number. No general correspondence.
8. Tenancy Agreement
Dated with 12 months. Must state full name and full property address. Issued by local council, housing association, solicitor or reputable letting agent.
9. Benefits Entitlement Letter
Dated within 12 months. Issued by DWP or Jobcentre plus. Must confirm benefit payable at time of issue. E.g. Pension, disability, single parent, housing etc.
10. HMRC Tax Notification
Dated with 6 months. Must state national insurance number and tax calculation. No general correspondence.
11. Home or Motor Insurance Certificate
Dated within 12 months. Must state insured address or registered address for vehicle and policy number. No general correspondence.
12. UK solicitors letter confirming house purchase/land registration
Dated with 3 months. Must state full name of new proprietor and full property address.
13. NHS Medical Card or letter from GP confirming registration
Dated within 3 months. Must state individual’s date of birth and NHS number. No general correspondence.
14. Official confirmation of Electoral Register entry or official poll card
Dated within 12 months. Must state full name and full address. No general correspondence.
15. Police Registration Certificate
Dated within 12 months. Must state the full residential address of the individual.
Probate
If you are acting as a Representative of an Estate, we require the Individual Identity Evidence from List A & B (Above) for the Personal Representative, either executor or administrator, along with the following:
1. Grant of Probate (where a valid Will has been proved).
2. Letters of Administration (in cases of Intestacy). Our forensic onboarding process ensures that the ‘Chain of Title’ is established prior to market entry, neutralising delays during the legal disposal.
Establishing this legal framework early prevents ‘Deal-Drift’ and ensures 100% compliance with the latest AML mandates.
💰 Source of Funds & Wealth Checklist
For all transactions, we must verify where the money came from. Proof of Funds (showing the money exists) is not the same as Source of Funds (proving how it was earned).
| Source of Funds | Required Documentation |
| Personal Savings | 6 months of bank statements showing the gradual build-up of funds. |
| Property Sale | A copy of the completion statement from your solicitor and a bank statement showing the receipt of funds. |
| Inheritance | A copy of the Will or a letter from the Executors/Solicitors, plus proof of receipt. |
| Gifted Funds | A signed Gifted Deposit Declaration from the donor, plus their ID and 6 months of their bank statements. |
| Company Profits | Latest audited accounts, dividend certificates, or a letter from a regulated accountant. |
| Sale of Shares | A copy of the share release schedule and a bank statement showing receipt. |
⚠️ Important Considerations
-
No Cash: We do not accept cash payments for property transactions or deposits.
-
Third-Party Payments: Funds must generally come from an account in the name of the party involved in the transaction. If a third party is paying, they must undergo full AML screening.
-
Tipping Off: If we request more information, it is a legal requirement. We cannot “look the other way.”
Limited Company
If you are acting as a Representative of a UK Company we require the Individual identity Evidence from List A & B (Above) for all individuals or entities with 25% or more of the shares or voting rights in the company, along with the following:
1. Certificate of Incorporation
2. Articles of Association
3. Memorandum of Association
4. Latest Annual Return (In some cases the last three (3) years)
5. Latest Confirmation Statement, with details of current company officers
💰 Source of Funds & Wealth Checklist
For all transactions, we must verify where the money came from. Proof of Funds (showing the money exists) is not the same as Source of Funds (proving how it was earned).
| Source of Funds | Required Documentation |
| Personal Savings | 6 months of bank statements showing the gradual build-up of funds. |
| Property Sale | A copy of the completion statement from your solicitor and a bank statement showing the receipt of funds. |
| Inheritance | A copy of the Will or a letter from the Executors/Solicitors, plus proof of receipt. |
| Gifted Funds | A signed Gifted Deposit Declaration from the donor, plus their ID and 6 months of their bank statements. |
| Company Profits | Latest audited accounts, dividend certificates, or a letter from a regulated accountant. |
| Sale of Shares | A copy of the share release schedule and a bank statement showing receipt. |
⚠️ Important Considerations
-
No Cash: We do not accept cash payments for property transactions or deposits.
-
Third-Party Payments: Funds must generally come from an account in the name of the party involved in the transaction. If a third party is paying, they must undergo full AML screening.
-
Tipping Off: If we request more information, it is a legal requirement. We cannot “look the other way.”
Offshore Company
Strict Compliance Note: Since the Economic Crime Act 2022, any overseas entity wishing to buy, sell, or transfer UK land must be registered on the Register of Overseas Entities at Companies House.
If you are acting as a Representative of a Trust we require the Individual Identity Evidence from List A & B (Above) for all individuals with a vested interest in 25% or more of the capital and/or those who exercise control over the Trust, along with the following:
1. ROE ID Number: We cannot progress a transaction without a valid Overseas Entity ID.
2. Local Documentation: Equivalent of a Certificate of Incorporation (e.g., Certificate of Incumbency) from the home jurisdiction.
3. Enhanced Due Diligence (EDD): If the entity is based in a “High-Risk Third Country” (as defined by the UK Government), we are legally required to perform deeper checks into the Source of Wealth of the UBOs.
💰 Source of Funds & Wealth Checklist
For all transactions, we must verify where the money came from. Proof of Funds (showing the money exists) is not the same as Source of Funds (proving how it was earned).
| Source of Funds | Required Documentation |
| Personal Savings | 6 months of bank statements showing the gradual build-up of funds. |
| Property Sale | A copy of the completion statement from your solicitor and a bank statement showing the receipt of funds. |
| Inheritance | A copy of the Will or a letter from the Executors/Solicitors, plus proof of receipt. |
| Gifted Funds | A signed Gifted Deposit Declaration from the donor, plus their ID and 6 months of their bank statements. |
| Company Profits | Latest audited accounts, dividend certificates, or a letter from a regulated accountant. |
| Sale of Shares | A copy of the share release schedule and a bank statement showing receipt. |
⚠️ Important Considerations
-
No Cash: We do not accept cash payments for property transactions or deposits.
-
Third-Party Payments: Funds must generally come from an account in the name of the party involved in the transaction. If a third party is paying, they must undergo full AML screening.
-
Tipping Off: If we request more information, it is a legal requirement. We cannot “look the other way.”
Trust
Trusts are considered high-risk due to their potential for anonymity.
If you are acting as a Representative of a Trust we require the Individual Identity Evidence from List A & B (Above) for all individuals with a vested interest in 25% or more of the capital and/or those who exercise control over the Trust, along with the following:
1. The Trust Deed: To identify the Settlors, Trustees, and list of Beneficiaries.
2. The Protector (if any): Any individual with the power to appoint or remove trustees.
3. TRS Registration: Proof that the trust is registered with the HMRC Trust Registration Service (TRS).
4. Verification: AML checks (ID and Address) for all named Trustees and any Beneficiaries with a vested interest of 25% or more (as noted above).
💰 Source of Funds & Wealth Checklist
For all transactions, we must verify where the money came from. Proof of Funds (showing the money exists) is not the same as Source of Funds (proving how it was earned).
| Source of Funds | Required Documentation |
| Personal Savings | 6 months of bank statements showing the gradual build-up of funds. |
| Property Sale | A copy of the completion statement from your solicitor and a bank statement showing the receipt of funds. |
| Inheritance | A copy of the Will or a letter from the Executors/Solicitors, plus proof of receipt. |
| Gifted Funds | A signed Gifted Deposit Declaration from the donor, plus their ID and 6 months of their bank statements. |
| Company Profits | Latest audited accounts, dividend certificates, or a letter from a regulated accountant. |
| Sale of Shares | A copy of the share release schedule and a bank statement showing receipt. |
⚠️ Important Considerations
-
No Cash: We do not accept cash payments for property transactions or deposits.
-
Third-Party Payments: Funds must generally come from an account in the name of the party involved in the transaction. If a third party is paying, they must undergo full AML screening.
-
Tipping Off: If we request more information, it is a legal requirement. We cannot “look the other way.”