T222 · Cat-18 · Cross-Border FX & Payments · FATF Travel Rule

Check your Travel Rule obligations

Determine Travel Rule data requirements for any cross-border wire or virtual asset transfer. Covers US FinCEN (31 CFR 1010.410), EU TFR Regulation 2023/1113, UK MLR 2017, SG MAS PSN02, AU AUSTRAC, UAE CBUAE, CH FINMA, and FATF Recommendation 16 baseline. Outputs compliance checklist, required data fields matrix, and Policy Mandate JSON Travel Rule payload stub.

FATF R.16 · Travel Rule EU TFR · FinCEN SWIFT CBPR+ Export · Policy Mandate Zero PII · Client-side Reduces FATF R.16 enforcement risk and correspondent-banking de-risking exposure.

Last Reviewed · 2026-05-12

Configuration

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Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.

Originating Jurisdiction

Destination Jurisdiction

Transfer Amount (USD equivalent)

Thresholds trigger at USD 1,000 (FinCEN), EUR 1,000 (EU TFR), GBP 1,000 (UK), SGD 1,500 (MAS), AUD 1,000 (AUSTRAC), zero threshold for virtual assets (EU TFR).

Asset / Transfer Type

About this tool

FATF Recommendation 16 (the Travel Rule) requires financial institutions and VASPs to pass originator and beneficiary information with cross-border transfers above threshold. Key regulatory implementations covered:

US FinCEN: 31 CFR 1010.410 — USD 3,000 for banks, USD 3,000 for VASPs (FinCEN NPRM 2020, effective 2023). Wire transfers: USD 3,000 threshold. EU TFR: Regulation 2023/1113 — EUR 1,000 threshold for wire transfers; zero threshold for crypto (VASPs). UK: MLR 2017 Reg. 57 — GBP 1,000 threshold. SG MAS: PSN02 — SGD 1,500 threshold. CH FINMA: AMLO Art. 10 — CHF 1,000 threshold.

This tool models the most-restrictive-applicable rule. Always confirm requirements with qualified legal counsel.

FATF Recommendation 16 — Wire Transfers (2012, updated 2023)
EU Regulation 2023/1113 — Transfer of Funds Regulation (TFR), effective 30 Dec 2024
US FinCEN — 31 CFR 1010.410 Bank Secrecy Act wire transfer rules
UK MLR 2017 — Regulation 57 (Wire Transfers), as amended 2022
MAS PSN02 — Notice on Prevention of Money Laundering (2021)
FINMA — Anti-Money Laundering Ordinance (AMLO), Art. 10

Travel Rule Compliance Check

Jurisdiction	Regulation	Threshold	Status	Scope