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AMLR · July 10, 2027

AMLR periodic KYC review: ready in two weeks.

Nestor launches your KYC review campaign, sends reminders to your clients for you, and keeps a record of every step.

Book an AMLR assessmentSee the plans
  • No IT project
  • No account for your clients to create
  • Fully sovereign European hosting
A KYC review in progress, in Nestor

01What changes

On July 10, 2027, the rules of the KYC review change.

The EU anti-money laundering regulation (AMLR, Regulation (EU) 2024/1624) applies directly in every member state, with no transposition. For the first time, it sets maximum intervals for updating client files.

High riskAt least once a year

Standard or low riskAt least every five years

Event-driven reviewWith every change

How often files are reviewed over five years: a high-risk client is reviewed at least once a year, a standard or low-risk client at least every five years, and any client whenever their situation changes, for example a new director or a new beneficial owner.

On top of these periodic reviews comes the event-driven review: a change of director, shareholder or beneficial owner, a transfer to a high-risk country, an inconsistency detected.

What if the client does not answer?

The AMLR expects you to act on it, up to restricting transactions or ending the relationship. You still need to be able to show that you asked, then followed up.

Compliance with these intervals will be supervised by national authorities (in France, the ACPR, the AMF, the DGCCRF and the professional bodies) and, for some financial institutions, directly by the new EU Anti-Money Laundering Authority (AMLA).

02The real challenge

The real challenge: getting your clients to answer.

There is no shortage of verification tools. But they are useless until the client has sent back their ID, their company registration extract, or their source of funds statement.

Without a dedicated tool, a KYC review means:

  • hundreds of emails sent one by one, and as many reminders;
  • documents scattered across inboxes, sharing links, and network folders;
  • clients who do not know what to send, or how to send it securely;
  • no usable record of the requests and reminders on the day of an inspection.

The 2027 bottleneck will not be verification. It will be collection.

03Does it apply to you?

Every entity subject to AML/CFT rules.

The regulation covers every entity subject to anti-money laundering and counter-terrorist financing rules, including:

  • banks and payment institutions
  • insurance companies and brokers
  • asset management companies
  • financial investment advisors and wealth managers
  • chartered accountants and statutory auditors
  • notaries and lawyers, for the transactions concerned
  • real estate transaction professionals
  • AML/CFT obligations, profession by profession

04Nestor KYC Review

A turnkey review campaign, up and running in two weeks.

One week to prepare the campaign with you, one week to launch it. Then Nestor sends the reminders and you follow the answers.

  1. PrepareWeek 1

    Your clients, your documents, your messages

    You send us your client list. Together, we set up the document lists for each profile (individual, legal entity, high risk), the due diligence questionnaire (purpose of the relationship, source of funds, politically exposed person status), and messages in your colors.

  2. LaunchWeek 2

    One request, one space per client

    A single request goes out to all your clients: each one gets a link to their own secure space, with no account to create and no app to install. They see what is left to provide and the deadline.

  3. Track and remind

    Reminders that go out on their own

    Reminders go out automatically and stop for those who have answered. The dashboard gives the open, response, and validation rates; a per-client view shows who has not answered yet.

  4. Show

    A dated history, client by client

    For each client, the space holds the documents received, the documents validated or sent back with a reason, and the electronically signed statements. The activity log dates every upload, view, validation, and automatic reminder, and exports to CSV.

  5. Maintain

    The next review, without starting over

    After the campaign, a portal stays open: your clients report a change there, which covers the event-driven review. A year later, or five years later, you duplicate the campaign: recipients, requests, forms, and reminders carry over, you adjust the dates, then you send it.

05What you gain

Answers, deadlines met, a history you can show.

  • Your clients answer

    A simple, secure link with no account to create, instead of yet another email.

  • You are ready fast

    Two weeks to launch, with no IT project.

  • You can show it

    Documents, answers, validations, and automatic reminders are logged and can be exported on the day of an inspection.

  • Your data stays protected

    Fully sovereign European hosting, a private space for each client, permissions set space by space, configurable retention periods.

06Plans

A price based on the number of files to review.

The price depends on the number of client files in the campaign. Beyond 5,000 files, or to connect Nestor to your tools, we prepare a quote.

  • Essential

    €4,900excl. VAT

    Up to 250 files

    Setup and one year of subscription included

  • Pro

    €9,900excl. VAT

    Up to 1,000 files

    Setup and one year of subscription included

  • Volume

    €19,900excl. VAT

    Up to 5,000 files

    Setup and one year of subscription included

  • Enterprise

    Custom quote

    Beyond that, integration with your tools

    Setup and one year of subscription included

Optional

  • Assisted campaign

    We write the messages, handle support for your clients, and hand you a campaign report. Limited places each month.

    Managed campaigns

Prices exclude VAT. Our terms of sale apply.

Find my plan in 20 minutes

07Our scope

What Nestor does, and what it does not.

Nestor does

  • Collect documents and information from your clients
  • Send automatic reminders and track the answers
  • Track how complete each file is: documents received, validated, or to correct
  • Keep a record of every upload, validation, and automatic reminder

Nestor does not

  • Decide your clients' risk level
  • Replace your AML/CFT officer
  • File a suspicious activity report
  • Verify the authenticity of documents or your clients' identity

In compliance, trust starts with clarity.

08Already exchanging with Nestor

When the space is simple, clients upload their documents.

Banks, asset managers, accounting firms, law firms, and property managers already use Nestor for their sensitive collections.

“It's simple: I'm the trusted third party. There will be a single conversation where I decide to put you, me, and your advisors, if you want.”
Laurent GilletWealth management advisor, founder, LG PatrimoineTranslated from French.Watch Laurent's testimonial (5 min, in French, YouTube)

09Frequently asked questions

Frequently asked questions

How long does it take to launch a campaign?

Two weeks: one week of setup with you, then the launch.

In what format do I send my client list?

A simple Excel or CSV file: name, email address, client type and, if you like, risk level.

What do my clients see?

An email in your colors, then a secure space that tells them exactly which documents and information to provide. They sign in with a link or a code received by email: no account to create.

Where is the data hosted?

In France, on a fully sovereign European infrastructure. Each client has their own space, and you set permissions space by space. Retention periods are set according to your rules.

What happens after the campaign?

The portal stays open for the event-driven review. For the next review, you duplicate the campaign: recipients, requests, forms, and reminders carry over, and you adjust the dates.

How does an inspection work?

For each client, you download the documents in their space and export the activity log: uploads, views, validations, and automatic reminders, each with its date.

Does Nestor verify my clients' documents?

No. Nestor collects, files, and tracks the documents. Verifying them, like verifying your clients' identity, stays with your teams or your provider.

Does Nestor connect to my tools?

Documents and the log can be exported, and a documented API is included to connect Nestor to your tools.

Another question?Choose the topic of your request: our team answers by email.

10AMLR assessment

Book your AMLR assessment.

In 20 minutes, we look with you at the number of files to review, your deadlines, and the right plan. No commitment.

  1. 01You leave your details, your industry, and the number of files to review.
  2. 02Our team contacts you to set up a time.
  3. 03We review it together, in 20 minutes.

Your industry (banking, insurance, asset management, wealth management, accounting, notary, law, real estate), the approximate number of client files to review, and your deadlines.

We use this information to answer your request, as described in our privacy policy.

11Not ready to talk yet?

Prepare your review with our resources.

Each profession's obligations, a step-by-step guide to update campaigns, and a calculator for the time a collection campaign costs you.

Regulatory source: Regulation (EU) 2024/1624 of the European Parliament and of the Council of 31 May 2024 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, applicable from July 10, 2027. This page presents Nestor's offer and is not legal advice. The regulation on EUR-Lex