FreeAML vs FrankieOne, and the Access Group Note
FrankieOne and Access Group EngageAML solve a suite problem. FreeAML solves a per-check problem, with client-pays.
Quick answer
FrankieOne is an identity and fraud orchestration platform used by banks, fintechs, and — through The Access Group’s EngageAML — accounting practices that want checks inside a practice-management workflow. FreeAML is the opposite shape: $0 platform fee, $15 KYC, $35 KYB, and client-pays. Pick FrankieOne or EngageAML when you are buying a suite. Pick FreeAML when you need the check without a monthly AML tax.
They are not the same product
FrankieOne sells orchestration: many data sources, recipes for KYC and KYB, screening, and ongoing monitoring, usually through an integration or a partner. The Access Group has embedded that infrastructure in EngageAML so Australian accountants can run designated-service checks beside engagement letters. That is a real product for firms already living in Access or ChangeGPS.
FreeAML is built for the Tranche 2 firm that wants to send a link, let the client finish on a phone, and file the outcome. There is no seat floor. Confirm FrankieOne and Access prices on their sites — they are not published here, because quote and bundle prices move.
Side-by-side
| FreeAML | FrankieOne | Access Group EngageAML | |
|---|---|---|---|
| Who it is for | Tranche 2 SMBs | Banks, fintechs, partners | Accounting practices on Access |
| Platform fee | $0 | Quote / contract | Practice suite — confirm live |
| Typical check | $15 KYC / $35 KYB | Usage inside the contract | Bundled with the suite |
| Client-pays | Yes — client card | Not the product’s point | Confirm on Access; suite fees still exist |
| Where it sits | Send a link from the check page | Orchestration layer | Inside engagement and practice workflow |
| Best when | Variable volume, no monthly AML fee | You need bank-style orchestration | The firm already runs on Access |
Client-pays column
FreeAML’s client-pays path is the comparison that matters for a small firm: the client’s card can cover the $15 or $35 check. A practice suite can still be the right buy if you want engagement letters and AML in one login. Those are different jobs. Prices for FreeAML are on /pricing.
The Access Group note
If your practice already pays for Access, EngageAML plus FrankieOne is the incumbent story: designated services spotted in the engagement, then KYC, KYB, and screening in that workflow. Evaluate it as a suite decision. Do not rip out practice management to save an AML line item.
If you are not on that suite, you do not need bank orchestration to collect CDD evidence. A pay-as-you-go check is enough to start, beside a program you still own. Accountants should also read AML checks for accountants and best free AML for accountants.
When FreeAML is the wrong alternative
- Procurement has mandated FrankieOne or a bank-grade orchestration RFP
- You need dozens of data-source recipes and a custom integration team
- The firm has standardised on EngageAML and the only question is rollout
When FreeAML is the right alternative
- Volume swings, so a monthly AML floor is the pain
- You want the client to pay for their own verification
- You need a file outcome this week, not an implementation project
The wider market table is Best AML software in Australia. Obligations sit on /tranche-2.
📚 Related Resources
Accountant AML Toolkit →
Complete compliance toolkit for accounting firms.
AML Software for Accountants →
Best practices and tools for accounting compliance.
Free KYC Check →
Verify customer identity in 60 seconds. Government ID + AML screening.
Free AML Program →
Board-ready AML/CTF Program template. All 10 AUSTRAC sections included.
Risk Assessment Generator →
AI-powered ML/TF risk assessment. 20-page compliant report in 5 minutes.
Free AML Training →
Online courses for staff. CPD-certified certificates included.
Frequently Asked Questions
Compare the per-check price
No monthly platform fee. KYC from $15 and KYB from $35, with client-pays.
See pricingQuestions: team@freeaml.com.au