AML/CTF for Adelaide accounting practices

7 min readUpdated 21 May 2026By Ben Horne

South Australian accounting practices providing designated services (company formation, nominee, trust setup, client-money management) face Tranche 2 from 1 July 2026. The state operates a relatively concentrated accounting market with a high proportion of sole-trader and small-partnership practices. Caltury handles the AML/CTF workflow.

Scope test for Adelaide practices

Compliance accounting (tax returns, BAS, management accounting) is not in scope. Designated services that bring an accounting practice into scope are: company formation, acting as nominee director or shareholder, trust formation, managing client money in trust, and certain tax-structuring work.

Most Adelaide practices in scope are family-office and business-services practices, with a smaller cohort of CBD-based corporate-services practices. The Adelaide cohort skews to sole traders and 2 to 5 person partnerships, which is exactly the cohort Caltury is sized and priced for.

Setup and ongoing operation

Caltury setup is typically 4 to 8 hours of operator time over the 14-day free trial. The Starter tier (A$99/mo plus GST) suits a sole trader, Practice (A$249) suits 2 to 5 partner firms, Firm (A$499) suits 6 to 15.

From go-live, the operator load is roughly 10 to 20 minutes per new designated-service engagement plus 15 to 30 minutes when an AUSTRAC report needs to be lodged. There is no per-customer or per-screen surcharge on any tier.

  • AUSTRAC enrolment generated for AUSTRAC Online lodgement
  • Program tailored to an AU accounting practice
  • Customer onboarding branched by entity type
  • Sanctions / PEP screening at every tier
  • Founder-staffed async support

Adelaide-specific considerations

South Australia has a slightly different family-office profile to the eastern capitals; trust formations are more frequently driven by intergenerational wealth-transfer planning rather than offshore-investor structuring. That moderates but does not eliminate the beneficial-ownership complexity that designated services bring.

AUSTRAC's expectations are uniform across the country, so the Program and customer-form configuration look similar to those in other states. Caltury's templates do not need state-specific tailoring beyond what the practice's own risk profile demands.

Common questions

Does CPA Australia or CA ANZ provide AML training that satisfies Caltury training requirements?

Professional-body courses can be a useful foundation. Caltury's training module is supplementary and ties directly to the practice's own Program. Most practices use Caltury training to operationalise the professional-body foundation in the practice's specific workflow.

We are a 3-person Adelaide tax-and-structuring practice. Which tier suits?

Practice (A$249/mo plus GST) suits a 3-person practice. All eleven obligations are covered, with no per-customer or per-screen surcharges. The Founding-10 program offers 50 percent off for three years for the first 10 paying customers across Caltury.

Does Caltury support the Class Super and BGL ecosystems common in AU SMSF practices?

Direct integrations are on the roadmap. Today, customer data is imported by CSV from any source system. SMSF-related work that crosses into the designated services (trust formation, controlled-monies arrangements) is captured in Caltury at the point of engagement.

Is there support available in business hours?

Support is async written, by email or in-app. Replies come from Ben Horne, the founder, usually within a few business days. There is no phone hotline.

This page is general information about Australian AML/CTF obligations. It is not legal advice. AUSTRAC has not reviewed this content. For situations specific to your practice consult an Australian-qualified lawyer or AML/CTF adviser.

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