New from 1 July 2026: AML/CTF laws now apply to trust and company formations. Understand how SMSF documents are affected. Learn what's changed →
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Sign up free and start ordering Australia's most comprehensive SMSF legal, pension and compliance documents — with AML/CTF compliance built right in.

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AML/CTF Tranche 2

What's changed — and what it means for you

From 1 July 2026, Australia's anti-money laundering laws extend to professional services firms that provide trust and company formation documents. This only affects a specific list of documents. Everything else works exactly as before.

AML/CTF applies to these documents Client identity check required per order via VerifiMe
  • New SMSF Establishment
  • Company Incorporation
  • Company Incorporation — Special Purpose
  • Discretionary (Family) Trust
  • Fixed Unit Trust
  • LRBA (Bare Trust) Setup
  • LRBA Loan Facility Agreement
  • Change of Trustee
  • Change of Trustee — Death of Member
Business as usual — no change No extra steps, no identity checks required
  • Pension Commencements (all types)
  • SMSF Investment Strategies
  • Binding & Non-Binding DBNs
  • SMSF Trust Deed Updates
  • Deed Variations
  • Partial Commutations & Lump Sums
  • Rollback of Pension / TRIS to Retirement
  • Company Constitution Only
  • All other standard SMSF documents
For designated service orders, Smarter SMSF handles client identity verification automatically via VerifiMe — your client receives a secure digital invite and completes the check in 2–5 minutes on any device. Document pending until CDD completed, then released. Full AML/CTF guide →
Want to skip per-order verification? Reliance Membership may suit you.
Firms with their own AUSTRAC-registered AML/CTF program can enter into a Reliance Agreement with Smarter SMSF. Once signed, designated service orders are released on your attestation — no per-order client identity check required. Learn about Reliance Membership →
Getting started

Up and running in three steps

Sign-up takes minutes. For designated service orders, Smarter SMSF handles identity verification automatically via VerifiMe — no extra setup required. Your client receives a secure digital invite, verifies in minutes, and your document is released.

1

Create your free account

Enter your name, firm, role and email. No credit card needed — takes less than 2 minutes.

2

Identity verification — handled for you

For designated service orders, your client receives a VerifiMe invite by email and completes a 2–5 min digital identity check. Once completed, the pending document is automatically released.

Powered by VerifiMe
3

Start ordering

Go to Documents → Create New. Select your document, follow the guided prompts, and receive your order in under 5 minutes.

Why Smarter SMSF

Everything you need, in one platform

80+ documents

Australia's most comprehensive SMSF legal, pension and compliance library.

BGL · Class · SuperMate

Seamless two-way integration with Australia's leading SMSF software platforms.

Under 5 minutes

Guided document flows with instant delivery — no waiting, no chasing.

AML/CTF compliant

Tranche 2 compliance built into the platform — automatic where possible.

Compliant from day one.
Automatic from day two.

Join thousands of SMSF practitioners using Smarter SMSF — free to start, no credit card required.

Create free account AML/CTF guide
Questions? Call 1300 95 94 76 or email team@smartersmsf.com