Compliance · 5 min read
SCUML in 2026 - Who Actually Needs It and How To Get It
Banks now block account opening for many businesses without SCUML. Here's the simple version of what it is, who needs it, and how AMG gets it for you.
SCUML (Special Control Unit against Money Laundering) is an EFCC certificate that confirms your business is monitored against money-laundering. In 2026, most tier-1 banks demand it before opening an LTD corporate account in 'DNFBP' sectors.
Who needs SCUML
- NGOs, foundations and religious organisations
- Real estate, car dealers, jewellery, precious metals
- Hotels, supermarkets, consultancies, dealers in high-value goods
- Auditors, tax consultants, legal/notary services
- Hospitality, casinos, and import/export businesses
What you submit
- CAC certificate + status report
- TIN, valid ID of directors/trustees
- Utility bill or business address proof
- Filled SCUML form
Processing is typically 1–3 weeks. AMG submits and follows up directly - no queues.