Free interactive tool

Do you need to lodge an SMR, TTR or IFTI?

Answer up to five plain-English questions. The tool tells you which AUSTRAC report to file, the statutory deadline and the section reference under the AML/CTF Act 2006.

Decision guidance only, not legal advice. AUSTRAC has not reviewed this flow.

Question 1 of 333%

Question 01

Do you suspect, on reasonable grounds, that the customer or transaction is connected to money laundering or terrorism financing?

Suspicion is a lower bar than belief. If something feels off, document why and treat it as yes. Common red flags: structuring, source-of-funds inconsistency, third-party payments, unusual urgency.