Identity Checks & Bankruptcy

Personal Representatives need to take care when distributing funds to beneficiaries.


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The rules laid down by regulators are clear. You should ensure that all parties involved in a financial transaction are who they say they are.

This is especially pertinent for beneficiaries of an estate, whom you generally won’t be onboarding in the same way you do your client. You should also be checking that there are no issues, like insolvency or bankruptcy, that could cause a risk to your law firm.

The Legal Sector Affinity Group (LSAG), has developed anti-money laundering (AML) guidance for the legal sector, providing practical steps to help firms ensure regulatory compliance.

In the guidance, the LSAG clarifies what is meant by identification (being told or otherwise coming to know a client’s identifying information) and verification (obtaining evidence that supports this claim of identity.

The range of ID Checks available from Estatesearch provides the easiest way of checking the solvency, bankruptcy and identity of a beneficiary or lay executor. Available at 3 levels of detail, and powered by Veriphy, the multi-award-winning AML & Compliance experts, our ID checks ensure regulatory compliance and offer robust solutions to protect both the interests of your client and the reputation of your firm.


  • Identity Check
  • Anti-Money Laundering Check
  • PEPs and Sanctions
  • Bankruptcy / Insolvency Search (Standard & Premium Checks only)
  • Electronic Identity Check using sophisticated anti-fraud, biometric and AL technologies (Premium Check only)

Our solution is fully compliant with section 19.11.3 of  The Probate Practitioner’s Handbook. It is integrated into the Estatesearch case journey via our ordering platform, providing time-saving and audit trail benefits.

The range includes

Identity Check Basic: £4 + VAT

  • UK Identity Check confirming name, address, and date of birth data.
  • UK Identity Document Verification confirming valid National Insurance, Driver’s License and/or Passport where details are provided.
  • Anti-Money Laundering search checking for Politically Exposed Persons and HMT, EU and OFAC Sanctions

Identity & Insolvency Check Standard: £7 + VAT

As per the basic check but also includes:

  • Insolvency search including registered Bankruptcy Orders, Independent Voluntary Arrangements and County Court Judgements.
  • A HM Land Registry K16 Official Bankruptcy Search of Land Charges Registers against the named person including registered Bankruptcy Orders and Petitions for Bankruptcy. (NOT Scotland or Northern Ireland equivalents at this time)

Identity & Insolvency Check Premium: £10

As per the standard check but also includes:

An electronic identity verification check including a check of document authenticity, compared to a biometric ‘selfie’ to verify subjects’ identity using sophisticated anti-fraud, biometric and AI technologies.


Book your demo today!

Robust ID checking solutions to help confirm the identity of a beneficiary and ensure no encumbrances before distributing funds

from £4 + VAT
  • Identity Check
  • Anti-Money Laundering Check
  • Bankruptcy / Insolvency Search (Standard & Premium Checks only)
  • Financial Asset Searches have become an integral part of estate administration. We now commission these searches as a matter of course, and have found that it makes the task of information gathering infinitely less time-consuming and difficult. Tom Bottomley, Partner
  • I feel by using Estatesearch I am using all possible tools out there to provide the most comprehensive search of a deceased's assets to enable a complete and full administered estate from the get go. Leonie Adams, Director
  • The Estatesearch Financial Profile Service gives us a comprehensive and robust due diligence process at the click of a button. Using a combination of data and technology goes beyond what we could reasonably achieve otherwise and Estatesearch have helped us identify additional assets in difficult Court of Protection matters. Holly Chantler, Head of Private Client
  • Having used Estatesearch many times I have always found it to be really quick and easy and if any questions the team are always willing to help and discuss matters and have managed to find other accounts for other clients but with less in them which we are all extremely grateful for. Would highly recommend these are done when dealing with any financial matters. Lynne Ragoubi, Senior Accredited Paralegal
  • We're very happy with the services provided by Estatesearch and find the Financial Profile Service a valuable tool in assisting our clients. In one recent matter undertaking the search meant we discovered an additional £2,500 which we would have otherwise been unaware of, needless to say the beneficiaries were happy with the outcome. Jade Gani, Head of Private Client
  • The Financial Profile Service helps us demonstrate all reasonable due diligence in matters where we're appointed as Executors. In a recent matter the Report helped us identify additional assets which our client and the beneficiary greatly appreciated. Charlotte Day, Solicitor
  • The Estatesearch process is simple and accessing several services in one portal saves so much time. The Financial Profile Service is really useful and great value, supported by excellent customer service. As a firm regularly acting for overseas PRs the Search can be invaluable for discovering UK assets and liabilities. I wouldn’t hesitate in recommending the service to my clients. Helen Green, Solicitor
  • We use the Financial Profile Service when appointed as Executors to help us clearly demonstrate we’ve met all our statutory duties. The report is clear and easy to use, helping us quickly make targeted additional enquiries to secure estate assets when required. Rachel Roche, Solicitor Director
  • The Financial Profile Service helped us efficiently confirm all the estate accounts, and in our latest matter identified a historic pension adding greater value for the beneficiaries and our clients. Liyen Edin, Biscoes Solicitors
  • The Estatesearch team are always willing to go the extra mile to help us with our cases and enquiries, using their knowledge and expertise to help us deliver an excellent service while reducing costs for our clients. Michael Graham, Head of Private Client

Give us a call today, or send a message and we'll get back to you straight away.

0330 900 1700
[email protected]