• Financial Intelligence Centre Act, 2001 (Act No. 38 of 2001)
  • Notice No. 1262 of 2001
  • Act
  • 1. Definitions
  • 1A. Application of Act when in conflict with other laws
  • Chapter 1 : Financial Intelligence Centre
    • 2. Establishment
    • 3. Objectives
    • 4. Functions
    • 5. General powers
    • 6. Appointment of Director
    • 7. Removal from office
    • 8. Acting Director
    • 9. Proof of appointment
    • 10. Responsibilities of Director
    • 11. Staff
    • 12. Security screening of staff of Centre other than Director
    • 13. Security screening of Director of Centre
    • 14. Funds and financial year of Centre
    • 15. Audit
    • 16. Delegation
  • [Repealed] Chapter 2 : Counter-Money laundering advisory Council
    • 17. [Repealed] Establishment
    • 18. [Repealed] Functions
    • 19. [Repealed] Composition
    • 20. [Repealed] Meetings and procedure
  • Chapter 3 : Control Measures for Money Laundering and Financing of Terrorist and Related Activities - Money Laundering, Financing of Terrorist and Related Activities and Financial Sanctions Control Measures
    • Part 1 : Customer due diligence
      • 20A. Anonymous clients and clients acting under false or fictitious names
      • 21. Identification of clients and other persons
      • 21A. Understanding and obtaining information on business relationship
      • 21B. Additional due diligence measures relating to legal persons, trusts and partnerships
      • 21C. Ongoing due diligence
      • 21D. Doubts about veracity of previously obtained information and when reporting suspicious and unusual transactions
      • 21E. Inability to conduct customer due diligence
      • 21F. Foreign politically exposed person
      • 21G. Domestic politically exposed person and prominent influencial person
      • 21H. Family members and known close associates
    • Part 2 : Duty to keep record
      • 22. Obligation to keep customer due diligence records
      • 22A. Obligation to keep transaction records
      • 23. Period for which records must be kept
      • 24. Records may be kept in electronic form and by third parties
      • 25. Admissibility of records
      • 26. [Repealed] Centre's access to records
    • Part 2A : Financial sanctions
      • 26A. Notification of persons and entities identified by Security Council of the United Nations
      • 26B. Prohibitions relating to persons and entities identified by Security Council of the United Nations
      • 26C. Permitted financial services and dealing with property
    • Part 3 : Reporting duties and access to information
      • 27. Accountable institutions to advise Centre of clients
      • 27A. Powers of access by authorised representative to records of accountable institutions
      • 28. Cash transactions above prescribed limit
      • 28A. Property associated with terrorist and related activities
      • 29. Suspicious and unusual transactions
      • 30. Conveyance of cash to or from Republic
      • 31. Electronic transfers of money to or from Republic
      • 32. Reporting procedures and furnishing of additional information
      • 33. Continuation of transactions
      • 34. Intervention by Centre
      • 35. Monitoring orders
      • 36. Information held by supervisory bodies and South African Revenue Service
      • 37. Reporting duty and obligations to provide information not affected by confidentiality rules
      • 38. Protection
      • 39. Admissibility as evidence of reports made to Centre
      • 40. Access to information held by Centre
      • 41. Protection of confidential information
      • 41A. Protection of personal information
    • Part 4 : Measures to promote compliance by accountable institutions
      • 42. Risk Management and Compliance Programme
      • 42A. Governance of anti-money laundering and counter terrorist financing compliance
      • 42B. Consultation process for issuing guidance
      • 43. Training relating to anti-money laundering and counter terrorist financing compliance
      • 43A. Directives
      • 43B. Registration by accountable institution and reporting institution
    • Part 5 : Referral and supervision
      • 44. Referral of suspected offences to investigating authorities and other public bodies
      • 45. Responsibility for supervision of accountable institutions
  • Chapter 4 : Compliance and Enforcement
    • 45A. Appointment of inspectors
    • 45B. Inspections
    • 45C. Administrative sanctions
    • 45D. Appeal
    • 45E. Establishment of appeal board
    • 45F. Application to court
    • 46. Failure to identify persons
    • 46A. Failure to comply with duty in regard to customer due diligence
    • 47. Failure to keep records
    • 48. Destroying or tampering with records
    • 49. Failure to give assistance
    • 49A. Contravention of prohibitions relating to persons and entities identified by Security Council of United Nations
    • 50. Failure to advise Centre of client
    • 51. Failure to report cash transactions
    • 51A. Failure to report property associated with terrorist and related activities and financial sanctions pursuant to Resolutions of United Nations Security Council
      Nations Security Council
    • 52. Failure to report suspicious or unusual transactions
    • 53. Unauthorised disclosure
    • 54. Failure to report conveyance of cash or bearer negotiable instrument into or out of Republic
    • 55. Failure to send report to Centre
    • 56. Failure to report electronic transfers
    • 57. Failure to comply with request
    • 58. Failure to comply with directives
    • 59. Failure to comply with monitoring order
    • 60. Misuse of information
    • 61. Failure to formulate and implement internal rules
    • 61A. Failure to register with Centre
    • 61B. Failure to comply with duty in regard to governance
    • 62. Failure to provide training or appoint compliance officer
    • 62A. Offences relating to inspection
    • 62B. Hindering or obstructing appeal board
    • 62C. Failure to attend when summoned
    • 62D. Failure to answer fully or truthfully
    • 62E. Failure to comply with directives of Centre or supervisory body
    • 63. Obstructing of official in performance of functions
    • 64. Conducting transactions to avoid reporting duties
    • 65. Unauthorised access to computer system or application or data
    • 66. Unauthorised modification of contents of computer system
    • 67. Definitions
    • 68. Penalties
    • 69. Defences
    • 70. Search, seizure and forfeiture
    • 71. Jurisdiction of courts
  • Chapter 5 : Miscellaneous
    • 72. Act not to limit powers of investigating authorities or supervisory bodies
    • 73. Amendment of list of accountable institutions
    • 74. Exemptions for accountable institutions
    • 75. Amendment of list of supervisory bodies
    • 76. Amendment of list of reporting institutions
    • 77. Regulations
    • 77A. Arrangements for consultations with stakeholders
    • 78. Indemnity
    • 79. Amendment of laws
    • 79A. Amendment of list of domestic politically exposed persons
    • 79B. Amendment of list of foreign politically exposed persons
    • 79C. Amendment of list of prominent influential persons
    • 80. Status of footnotes
    • 81. Transitional arrangements
    • 82. Short title and commencement
  • Schedules
    • Schedule 1 : List of Accountable Institutions
    • Schedule 2 : List of Supervisory Bodies
    • Schedule 3 : List of Reporting Institutions
    • Schedule 3A : Domestic Politically Exposed Person
    • Schedule 3B : Foreign Politically Exposed Person
    • Schedule 3C : Prominent Influential Person
    • Schedule 4 : Amendment of sections of Prevention of Organised Crime Act, 1998 (Act No. 121 of 1998)
• Regulations
  • Money Laundering and Terrorist Financing Control Regulations
    • Notice No. R. 1595 of 2002
    • 1. Definitions
    • 1A. Prescribed amount of a single transaction
    • [Repealed] Chapter 1 : Establishment and verification of identity
      • [Repealed] Part 1 : Introduction
        • 2. [Repealed] Introductory
      • [Repealed] Part 2 : Natural Persons
        • 3. [Repealed] Information concerning South African citizens and residents
        • 4. [Repealed] Verification of information concerning South-African citizens and residents
        • 5. [Repealed] Information concerning foreign nationals
        • 6. [Repealed] Verification of information concerning foreign nationals
      • [Repealed] Part 3 : Legal Persons
        • 7. [Repealed] Information concerning close corporations and South African companies
        • 8. [Repealed] Verification of information concerning close corporations and South African compa
        • 9. [Repealed] Information concerning foreign companies
        • 10. [Repealed] Verification of information concerning foreign companies
        • 11. [Repealed] Information concerning other legal persons
        • 12. [Repealed] Verification of information concerning other legal persons
      • [Repealed] Part 4 : Partnerships
        • 13. [Repealed] Information concerning partnerships
        • 14. [Repealed] Verification of information concerning partnerships
      • [Repealed] Part 5 : Trusts
        • 15. [Repealed] Information concerning trusts
        • 16. [Repealed] Verification of information concerning trusts
      • [Repealed] Part 6 : General
        • 17. [Repealed] Additional requirements when person acts on authority of another
        • 18. [Repealed] Verification in absence of contact person
        • 19. [Repealed] Accountable institution maintain correctness of particulars
    • Chapter 2 : Record-Keeping
      • 20. Particulars of third parties keeping records
    • [Repealed] Chapter 3 : Client Profile
      • 21. [Repealed] Information to identify proceeds of unlawful activities or money laundering acti
    • Chapter 4 : Reporting
      • 22. Manner of reporting
      • 22A. Information to be reported concerning a terrorist property report
      • 22B. Prescribed amount for cash transaction reporting 
      • 22C. Information to be reported concerning a cash threshold report
      • 23. Information to be reported
      • 23A. Information to be reported concerning a suspicious or unusal activity report
      • 23B. Information to be reported concerning a terrorist financing transaction report
      • 23C. Information to be reported concerning a terrorist financing activity report
      • 23D. Prescribed amount for the reporting of an international funds transfer report
      • 23E. Information to be reported concerning an international funds transfer report
      • 24. Period for reporting
      • 24A. Manner in which and period within additional information to be furnished
    • Chapter 5 : Measures to Promote Compliance and Appeals
      • 25. [Repealed] Internal rules concerning establishment and verification of identities
      • 26. [Repealed] Internal rules concerning the keeping of records
      • 27. [Repealed] Internal rules concerning reporting of information
      • 27A. Period for and manner of registration by accountable institutions and reporting institutions
      • 27B. Period within and manner in which supervisory body must submit written report to Centre
      • 27C. Manner In which appeal is to be lodged and payment of fee
      • 27D. Criteria for supervisory body to request information relating to a report made in terms of section 29
    • Chapter 6 : Miscellaneous
      • 28. Guidance 
      • 29. Offences and penalties and admnistrative sanctions for non-compliance
      • 30. Title and commencement
    • Annexure
      • Form 1 - Suspicious or Unusual Transaction Report [Deleted]
    • Exemptions
      • Interpretation - Definitions
      • Part 1 : General Exemptions
      • Part 2 : Exemptions for insurance and investment providers
      • Part 3 : Exemptions for members of Exchanges
      • Part 4 : Exemptions for attorneys and administrators of property
      • Part 5 : Exemptions for estate agents
      • Part 6 : Exemptions for gambling institutions
      • Part 7 : Exemptions for banks
      • Part 8 : Miscellaneous
      • Exchanges recognised for purposes of the exemption in respect of public companies the securities of which are listed on a stock exchange
• Notices
  • Second Reporting Exemption in terms of the Financial Intelligence Centre Act, 2001
    • Notice No. R. 1354 of 2004
  • Third Reporting Exemption in terms of the Financial Intelligence Centre Act, 2001
    • Notice No. 1035 of 2006
  • Exemption in Terms of Financial Intelligence Centre Act, 2001 (Act No. 38 of 2001)
    • Notice No. R. 454 of 2010
    • 1. Definitions
    • 2. Exemption from Regulations made under Act 38 of 2001
  • Exemption in Terms of Financial Intelligence Centre Act, 2001 (Act No. 38 of 2001)
    • Notice No. 471 of 2010
    • 1. Definitions
    • 2. Exemption from Regulations made under Act 38 of 2001
  • Exemption in Terms of Financial Intelligence Centre Act, 2001 (Act No. 38 of 2001)
    • Notice No. 560 of 2010
    • 1. Definitions
    • 2. Exemption from Regulations made under Act 38 of 2001
  • Notice of Adoption of Resolution on Haiti by Security Council of United Nations
    • Notice No. 2691 of 2022
• Commencements
  • Commencement of Financial Intelligence Centre Amendment Act, 2017 (Act No. 1 of 2017)
    • Notice No. 563 of 2017
  • Commencement of Sections 31 and 56 of Financial Intelligence Centre Act, 2001
    • Proclamation 111 of 2023
• Directives
  • Directive for conduct within the national payment system in respect of the Financial Action Task Force Recommendations for electronic funds transfers - Effective 15 August 2022
    • Directive No. 1 of 2022
      • Notice No. 2291 of 2022
      • 1. Purpose
      • 2. Definitions
      • 3. Scope of this directive
      • 4. Directive
      • 5. Compliance declarations and inspections
      • 6. Effective date and non-compliance
      • 7. Conclusion
  • Directive for Submission of a risk and compliance return to the Financial Intelligence Centre by specified accountable institutions that are designated non-financial businesses and professions
    • Directive 6 of 2023
      • Notice No. 3252 of 2023
      • 1. Purpose of the Directive
      • 2. Directive
      • 3. Format and frequency of risk and compliance return
      • 4. Effective date and non-compliance
  • Directive for Submission of a risk and compliance return to the Financial Intelligence Centre by specified accountable institutions
    • Directive 7 of 2023
      • Notice No. 3253 of 2023
      • 1. Purpose of the Directive
      • 2. Directive
      • 3. Format and frequency of risk and compliance return
      • 4. Effective date and non-compliance
  • Directive for Screening of employees for competence and integrity and scrutinising of employee information against applicable targeted financial sanctions lists as a money laundering, terrorist financing and proliferation financing control measure
    • Directive 8 of 2023
      • Notice No. 3257 of 2023
      • 1. Purpose of the Directive
      • 2. Directive
      • 3. Effective date and non-compliance
  • Directive for Implementation of the Travel Rule relating to Crypto Asset Transfers in accordance with the Financial Action Task Force Recommendations
    • Directive 9 of 2024
      • Notice No. 5543 of 2024
      • 1. Purpose
      • 2. Definitions
      • 3.  Scope of this Directive
      • 4. Obligations of ordering Crypto Asset Service Providers
      • 5. Obligations of intermediary Crypto Asset Service Providers
      • 6. Obligations of recipient Crypto Asset Service Providers
      • 7. Immediate and Secure Transmission of Originator and Beneficiary Information
      • 8. Unhosted Wallet Transfers
      • 9. Effective Date and Non-Compliance
  • Directive for Notification of failure to report as required by the Financial Intelligence Centre in terms of the Financial Intelligence Centre Act
    • Directive 3A of 2025
      • Notice No. 6072 of 2025
      • 1. Purpose
      • 2. Directive
• Guidance Notes
  • Guidance Note 2
    • Guidance to Financial Services Industries regulated by the Financial Services Board concerning the meaning of the word "Transaction"
      • Notice No. 735 of 2004
      • 1. Introduction
      • 2. Meaning of "transaction" in relation to client identification duties
      • 3. Examples of transactions
  • Guidance Note 3
    • Guidance for Banks on Customer Identification and Verification and Related Matters
      • Notice No. 715 of 2005
      • Preface
      • Anti-Money Laundering and Terrorist Financing Policies and Procedures
        • 1. Board approval of a bank's anti-money laundering and terrorist financing policies
        • 2. Implementation of Guidance Note 1 in respect of a risk-based approach
        • 3. Risk indicators to be used to differentiate between clients
        • 4. Client profiling procedures for high risk clients
        • 5. Client acceptance policies
      • Establishing and Verifying Identities 
        • Natural Persons - South African Citizens and Residents
          • 6. Clarification of an official identity document
          • 7. Clarification of whether the address slip found in identity documents
          • 8. Alternate means of verification if identity document has been lost or stolen
          • 9. Acceptable KYC procedures for non face-to-face verification
          • 10. Status of "faxed copies"
          • 11. Examples of acceptable documentation to verify residential address of natural per
          • 12. Acceptable documents for third party verification
          • 13. Legal incapacity
          • 14. Ongoing client detail maintenance
        • Natural Persons - Foreign Nationals
          • 15. Identification and verification
        • Legal Entities
          • 16. Identification and verification of subsidiaries of listed companies
          • 17. Identification and verification of pension and provident funds
          • 18. Identification and verification of "off the shelf" companies
      • Partnerships
        • 19. The definition of a partnership
        • 20. Clarification of partnership agreements and whether all partners in a partnership
      • Trusts
        • 21. Identification of trusts
        • 22. Identification and verification of each trustee of a trust
      • Organs of State including Government Departments
        • 23. Identification and verification of Government departments and organs of state
      • International Standards and Best Banking Practice
        • 24. Extent to which international standards
      • Politically Exposed Persons (PEPs)
        • 25. Definition of a politically exposed person (PEP)
        • 26. Treatment of PEPS in relation to other high-risk clients
        • 27. Policies for dealing with PEPs
      • Correspondent Banks
        • 28. Measures that need to be put in place in respect of correspondent banking relatio
      • Exemptions
        • 29. Clarification of Exemption 5 - foreign clients
        • 30. Clarification of the difference between Exemptions 5 and 16
      • Glossary
  • Guidance Note 4
    • Suspicious Transaction Reporting
      • Notice No. 301 of 2008
      • Preface
      • Glossary
      • Introduction
      • Part 1 - Who Must Report?
      • Part 2 - What Gives Rise to the Obligation to Report?
      • Part 3 - What is the Nature of a Suspicion?
      • Part 4 - Indicators of Suspicious and Unusual Transactions
      • Part 5 - What are the Implications of making a STR?
      • Part 6 - Process for Submitting STRs to the Centre