goAML reporting
goAML is the reporting platform of the UAE Financial Intelligence Unit, launched in June 2019. Specific categories of businesses are required to report suspicious transactions and certain cash dealings through it.
Who reports through goAML
Those who report through it include financial institutions, designated non-financial businesses and professions (including real estate, precious metals and stones dealers, lawyers, auditors, accountants, trust and company service providers and commercial gaming operators) and virtual asset service providers. UAEFIU, compliance guidance
Report types
The report types are the suspicious transaction or activity report (STR or SAR), the Dealers in Precious Metals and Stones Report (DPMSR) and the Real Estate Activity Report (REAR). UAEFIU, compliance guidance
A DPMSR is due within 2 weeks of the transaction. UAEFIU, compliance guidance
Thresholds
A DPMSR covers cash transactions equal to or exceeding AED 55,000. For transactions with companies, it also covers all international wire transfers. UAEFIU, compliance guidance
A REAR applies to real estate payments made in cash or virtual assets, with an AED 55,000 threshold. UAEFIU, compliance guidance
Who supervises
The Ministry of Economy and Tourism supervises the designated non-financial businesses and professions sector, including in the state and commercial free zones. Ministry of Economy and Tourism, anti-money laundering
Ministry Circular 2/2021 told these businesses to register in goAML. Ministry of Economy and Tourism, anti-money laundering
Legal instruments
The UAEFIU lists Federal Decree-Law No. 10 of 2025 and Cabinet Resolution No. 134 of 2025, its executive regulations, among its publications. UAEFIU, understanding the law
The same page lists the earlier instruments: Federal Decree-Law No. 20 of 2018 as amended by No. 26 of 2021 and No. 7 of 2024, and Cabinet Resolution No. 10 of 2019 as amended by Cabinet Decision No. 24 of 2022. UAEFIU, understanding the law
Questions about goAML reporting
What is goAML?
The UAE Financial Intelligence Unit's reporting platform, launched in June 2019.
Who needs goAML registration?
Ministry Circular 2/2021 told designated non-financial businesses and professions to register in goAML. Financial institutions and virtual asset service providers also report through it.
Which report types exist in goAML?
The suspicious transaction or activity report (STR or SAR), the DPMSR for precious metals and stones dealers, and the REAR for real estate activity.
What is the cash threshold for a DPMSR or REAR?
A DPMSR covers cash transactions equal to or exceeding AED 55,000. A REAR applies to real estate payments in cash or virtual assets, with an AED 55,000 threshold.
Who supervises designated non-financial businesses and professions?
The Ministry of Economy and Tourism, including in the state and commercial free zones.
A plain guide to the rules, not legal or tax advice. Checked 17 October 2026.
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