DPMSR Submission Requirement Checker
An interactive tool to determine whether your transaction requires a Dealers in Precious Metals and Stones Report (DPMSR) to be filed on goAML; step by step, in under 2 minutes.
DPMSR Checker
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⭐ Leave a ReviewWhat Is the DPMSR Submission Requirement Checker?
The DPMSR Submission Requirement Checker is a free, interactive compliance tool developed by AMLUAE for Dealers in Precious Metals and Stones (DPMS) licensed in the United Arab Emirates. It answers one of the most practical questions in UAE AML/CFT compliance:
“Does my transaction require a Dealers in Precious Metals and Stones Report (DPMSR) to be filed on goAML, and if so, why?”
The tool guides users through a structured five-step wizard in under two minutes. No compliance training is required. Each answer leads to the next logical question, and every result is accompanied by the exact regulatory reference from which it is derived.
Confused about when to file a DPMSR in the UAE? Wondering what triggers a DPMSR? Unsure whether a specific payment method, a cheque, an exchange house transfer, or a domestic USD wire requires filing? This tool resolves those doubts in under two minutes.
Who Should Use DPMSR Checker?
The DPMSR Submission Requirement Checker is built for:
- Gold and jewellery retailers in UAE mainland and free zones
- Bullion traders and precious metals wholesalers
- Diamond and gemstone dealers
- Compliance officers and MLROs serving UAE DPMS businesses
- Finance and operations teams processing high-value PMS transactions
- Free zone DPMS businesses
- Any UAE-licensed DPMS dealer unsure whether a specific transaction triggers DPMSR filing
What DPMSR Tool Answers
Does this transaction require a DPMSR?
- If yes: what is the reportable amount, who is the regulatory authority, what identification is required, and when must I file?
- If no: why not, and what is the exact regulatory basis for the exemption?
DPMSR Tool Covers / Does Not Cover
| This tool covers | This tool does not cover |
|---|---|
| All UAE mainland DPMS dealers | STR/SAR filing decisions (suspicion-based – always file if suspicious) |
| All UAE free zone DPMS dealers | goAML registration and account setup |
| Resident and non-resident individual counterparties | Customer Due Diligence (CDD) requirements for DPMS |
| Corporate, B2B, FTZ, and mainland company counterparties | TFS / sanctions screening obligations |
| All payment modes: cash, wire, exchange house, cheque, barter, LC | AML policy and procedure drafting |
| Instalment, advance, and unfixed gold payment scenarios | Record-keeping system implementation |
| Intra-company and related group company exemptions | Complex multi-jurisdiction transactions requiring legal advice |
What Is a DPMSR?
A Dealers in Precious Metals and Stones Report (DPMSR) is a transaction report submitted on the UAE Financial Intelligence Unit’s (UAE FIU) goAML platform by DPMS dealers licensed in the UAE. Unlike an STR, which is filed when suspicion arises, the DPMSR is a threshold-based reporting obligation; it is triggered automatically when specific transaction conditions are met, regardless of whether the transaction appears suspicious.
The DPMSR was introduced through Ministry of Economy Circular No. 08/AML/2021, effective 12 June 2021, which required all UAE-licensed DPMS dealers to register qualifying transactions on the goAML platform using the newly created DPMSR report type.
DPMSR vs SAR/STR in UAE AML Compliance
| DPMSR | SAR/STR | |
|---|---|---|
| What triggers it? | Threshold-based: qualifying transaction conditions met (AED 55,000 + correct payment mode) | Suspicion-based: reasonable grounds to suspect ML or TF |
| When to file? | Automatically when conditions are met regardless of suspicion | Whenever suspicion arises regardless of amount or payment mode |
| Filing deadline? | Within 2 weeks of the transaction date | As soon as practicable after grounds for suspicion arise |
| Can they overlap? | Yes, a transaction can require both a DPMSR and an STR depending on the facts of the case | Yes, always file an STR if suspicious, even if DPMSR is not required |
| Platform? | goAML (DPMSR report type) | goAML (STR or SAR report type) |
| Source? | Circular 08/AML/2021 | goAML FAQs v1.9, Q.53 | AML/CFT legislation | FATF Recommendations |
When Is DPMSR Filing Required in the UAE?
DPMSR filing is required in the UAE when:
- A UAE-licensed DPMS dealer conducts a qualifying transaction with an individual or corporate counterparty, AND
- The reportable amount determined by counterparty type and payment mode equals or exceeds AED 55,000.
The master rule, confirmed by both regulatory sources:
Individuals (resident and non-resident): Cash payments at or above AED 55,000 are the sole DPMSR trigger. No other payment mode triggers DPMSR for individuals.
Corporate entities/companies: Cash, exchange house transfers, and international wire transfers, assessed jointly or individually, trigger DPMSR when the combined reportable amount equals or exceeds AED 55,000.
Key rule on wire transfers: Currency (AED or USD) and same-bank vs. different-bank distinctions within the UAE banking system are irrelevant. The international nature of the wire transfer is the only determinative test. A USD wire between two UAE-registered companies at different UAE banks that stays within the UAE banking system is NOT reportable.
What Transactions Do NOT Require a DPMSR?
| Exempt Transaction | Applies To | Reference |
|---|---|---|
| All non-cash payments (cheque, wire, exchange house, card, LC) | Individuals only | – Circular 08/AML/2021 Clauses 1 and 2 |
| Local UAE bank wire transfers (any currency, any UAE banks) | Corporate entities | – goAML FAQs v1.9, Q.53 Rows 15.1, 15.4, 15.4.3 |
| Cheque payments | Both individuals and companies | – goAML FAQs v1.9, Q.53 Row 1.3 |
| Letter of Credit (LC) transactions | Corporate entities | – goAML FAQs v1.9, Q.53 Row 12 |
| Barter / non-cash settlement (no qualifying cash) | Both individuals and companies | – goAML FAQs v1.9, Q.53 Row 2 |
| Making charges only (no PMS buy/sell) | Both individuals and companies | – goAML FAQs v1.9, Q.53 Row 11 |
| Bank loans and margin calls | Corporate entities | – goAML FAQs v1.9, Q.53 Row 3 |
| Intra-company transfers (any amount) | Corporate entities | – goAML FAQs v1.9, Q.53 Rows 4, 5 |
| Related group company transactions | Corporate entities | – goAML FAQs v1.9, Q.53 Rows 14, 16.f |
| Physical PMS trade with foreign-regulated bank | Corporate entities | – goAML FAQs v1.9, Q.53 Row 16.e |
Common Compliance Doubts the Tool Solves
The DPMSR Submission Requirement Checker was built to resolve the everyday compliance uncertainties that UAE DPMS compliance officers, business owners, and finance teams face. Here are the most frequently raised questions:
Doubt 1: Does a cash payment above AED 50,000 trigger a DPMSR?
Confused about whether a cash payment exceeding AED 50,000 triggers a DPMSR?
The DPMSR threshold is AED 55,000, not AED 50,000. A cash payment of exactly AED 50,000 does not trigger filing. A payment of AED 55,000 or above does. The tool computes the reportable amount live as you enter figures, removing any ambiguity about the threshold.
Doubt 2: Does a cheque payment to an individual require a DPMSR?
Unsure whether a cheque payment to an individual customer above AED 55,000 requires a DPMSR?
No. For individual counterparties, only cash triggers DPMSR filing. Cheques, bank wires, exchange house transfers, international wires, card payments, and Letters of Credit are all explicitly excluded (- Circular 08/AML/2021 Clauses 1 and 2 | goAML FAQs v1.9, Q.53 Row 1.3).
Doubt 3: Is a USD wire transfer between two UAE companies reportable?
Does a USD wire transfer between two UAE-registered companies at different UAE banks require a DPMSR?
Only if the transfer routes internationally. If both accounts are held at UAE-operating banks and the transfer stays within the UAE banking system, it is not reportable regardless of whether the currency is AED or USD, and regardless of whether the accounts are at the same or different UAE banks. The international nature of the wire is the only test (- goAML FAQs v1.9, Q.53 Rows 15.4, 15.4.3, 16.d).
Doubt 4: What if an exchange house is used instead of a bank?
Does routing a wire transfer through an exchange house rather than a UAE bank change the DPMSR obligation?
Yes, significantly. Exchange house transfers are a DPMSR trigger for corporate entities even when domestically routed, unlike UAE bank wire transfers. This is one of the most commonly overlooked distinctions in UAE DPMS AML compliance, and the tool flags it explicitly with a “Trigger” tag (- goAML FAQs v1.9, Q.53 Row 1, exchange house note).
Doubt 5: Are intra-company cash transactions reportable?
Does an intra-company cash sale above AED 55,000 within the same group require a DPMSR?
No. Intra-company transactions and transfers between related group companies are fully exempt from DPMSR regardless of amount, currency, or payment method (- goAML FAQs v1.9, Q.53 Rows 4, 5, 14, 16.f). The tool routes intra-company and related-group selections to an exempt result at Step 3.
Doubt 6: Does DPMSR apply to UAE free zone precious metals dealers?
Are DPMS dealers in the UAE free zones, such as DMCC or DAFZA, required to file DPMSRs?
Yes. The DPMSR obligation applies to all UAE-licensed DPMS dealers, including those operating in free zones. The tool covers free zone-specific international wire scenarios (- goAML FAQs v1.9, Q.53 Rows 16.a to 16.f) in its corporate payment mode options.
Doubt 7: When is a DPMSR required for a bullion B2B transaction?
Two UAE-registered bullion companies settle a trade in USD. Does a DPMSR need to be filed?
It depends entirely on how the settlement is made. If the USD transfer stays within the UAE banking system (domestic accounts, no international routing), no DPMSR is required regardless of currency. If the settlement routes internationally, a DPMSR is required if the amount equals or exceeds AED 55,000 (- goAML FAQs v1.9, Q.53 Rows 15.1, 15.2, 16.a, 16.b).
Worked Examples
These two examples illustrate how the DPMSR Submission Requirement Checker reaches its result in practice.
Example 1: Gold retailer selling to an individual - cash payment
| Scenario Detail | Value |
|---|---|
| Counterparty type | Individual (UAE resident) |
| Transaction nature | Standard PMS sale |
| Payment mode | Cash – AED 60,000 |
| Reportable amount | AED 60,000 (cash only) |
| Threshold met? | Yes, AED 60,000 ≥ AED 55,000 |
| Result | DPMSR Submission Required |
| Deadline | Within 2 weeks of transaction date |
| ID required | Emirates ID or Passport |
| Source | – Circular 08/AML/2021 Clause 1 | – goAML FAQs v1.9, Q.53 Row 1.1 |
Example 2: Bullion company wire transfer to UAE entity - domestic routing
| Scenario Detail | Value |
|---|---|
| Counterparty type | Corporate entity (UAE-registered, different UAE bank) |
| Transaction nature | Standard PMS sale (bullion B2B) |
| Payment mode | USD wire transfer – AED equivalent 120,000 – same UAE banking system, no international routing |
| Reportable amount | AED 0 (domestic wire, not a DPMSR trigger) |
| Threshold met? | Not applicable, payment mode is exempt |
| Result | No DPMSR Required |
| Source | – goAML FAQs v1.9, Q.53 Rows 15.4, 15.4.3, 16.d |
How to Use the DPMSR Submission Requirement Checker - Step by Step
The tool operates as a five-step wizard. Each step is mandatory before progressing. Certain answers, making charges only, bank loans, and intra-company transactions, trigger an immediate exempt result without requiring further input.
Step 1: Counterparty Type
Select whether the counterparty is an Individual (Resident or Non-Resident) or a Corporate Entity / Company. This single selection determines which reporting rules apply.
- Individual: – Circular 08/AML/2021 Clauses 1 and 2. Cash is the sole trigger. No relationship check required.
- Corporate: – Circular 08/AML/2021 Clause 3. Cash, exchange house transfers, and international wire transfers are all potential triggers. A relationship check follows at Step 3.
Step 2: Transaction Nature
Select the nature of the transaction. Exempt categories deliver an immediate result without further steps:
- Standard purchase or sale of PMS – proceeds to Step 3 or Step 4.
- Instalment or advance payment – proceeds. Each qualifying receipt is assessed at the time of receipt. – goAML FAQs v1.9, Q.53 Rows 6, 7, 13.
- PMS Barter – proceeds. Only the cash component (if any) at or above AED 55,000 is assessed.
- Making charges only, no PMS buying or selling → Exempt result. – goAML FAQs v1.9, Q.53 Row 11.
- Bank loan or margin call → Exempt result. – goAML FAQs v1.9, Q.53 Row 3.
- Physical PMS Trade, Foreign Bank (corporate only) → Exempt result. – goAML FAQs v1.9, Q.53 Row 16.e.
- Other → Exempt result.
Step 3: Party Relationship (Corporate Only)
For corporate counterparties, this step checks whether the two entities are related:
- Unrelated third party – proceeds to Step 4.
- Same legal entity (Intra-Company) → Exempt. – goAML FAQs v1.9, Q.53 Rows 4 and 5. Includes intra-company cash sales above the threshold.
- Related group companies → Exempt. – goAML FAQs v1.9, Q.53 Rows 14 and 16.f. Includes mainland-to-FTZ group transfers.
Step 4: Payment / Settlement Mode (Multi-Select with Amount Entry)
Select all payment modes used in the transaction and enter the AED equivalent amount for each. The tool accepts multiple payment modes simultaneously. Trigger modes are highlighted in red and require an amount. Exempt modes require no amount.
The Reportable Amount, the sum of trigger modes only, is calculated live against the AED 55,000 threshold.
Primary Legislation
| Individuals | Corporate Entities | |
|---|---|---|
| Trigger payment modes | Cash only | Cash, exchange house transfers, international wire transfers |
| Exempt payment modes | All non-cash modes (cheque, wire, card, LC, barter, exchange house) | Local UAE bank wires (any currency/bank), cheque, card, LC, barter |
| How is the threshold assessed? | Cash amount alone | Sum of Cash + Exchange house + International wire, jointly or individually |
| Threshold | AED 55,000 | AED 55,000 |
| Key rule | – Circular 08/AML/2021 Clauses 1 and 2 | – Circular 08/AML/2021 Clause 3 |
Individuals - All Payment Modes (Section 1.3)
| Payment Mode | DPMSR Trigger? | Reference |
|---|---|---|
| Cash | YES, Trigger | – Circular 08/AML/2021 Clauses 1 and 2 |
| Cheque (local bank) | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 1.3 |
| Local bank wire transfer | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 1.3 |
| Exchange house transfer | NO, Exempt | – Circular 08/AML/2021 Clauses 1 and 2 |
| International wire transfer | NO, Exempt | – Circular 08/AML/2021 Clauses 1 and 2 |
| Card / Letter of Credit | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 12 |
| Value settled through barter | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 2 |
Corporate Entities - All Payment Modes (Section 2.4)
| Payment Mode | DPMSR Trigger? | Reference |
|---|---|---|
| Cash | YES, Trigger | – Circular 08/AML/2021 Clause 3 |
| Cheque (local bank) | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 1.3 |
| Wire AED – same bank, UAE | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 15.1 |
| Wire AED – different banks, UAE | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 15.4 |
| Wire USD – same bank, UAE | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 15.1 |
| Wire USD – different banks, UAE | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 15.4.3 |
| Exchange house transfer | YES, Trigger | – goAML FAQs v1.9, Q.53 Row 1 (exchange house note) |
| International wire transfer | YES, Trigger | – Circular 08/AML/2021 Clause 3 | – goAML FAQs v1.9, Q.53 Rows 15.2, 16.b, 16.c |
| Card / Letter of Credit | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 12 |
| Value settled through barter | NO, Exempt | – goAML FAQs v1.9, Q.53 Row 2 |
Step 5: Result
The tool produces one of three outcomes, each with full regulatory citations:
- DPMSR Submission Required includes: reportable amount breakdown, regulatory basis, identification requirements, filing deadline, and 5-year record-keeping reminder.
- No DPMSR Required includes: specific exemption reason and exact regulatory source.
Below AED 55,000 Threshold includes: assessment note
DPMSR Filing Deadline and Required Documents
Filing Deadline
The DPMSR must be filed within 2 weeks of the qualifying transaction occurring. The 2-week window runs from the date the transaction takes place, not from month-end, quarter-end, or any other reporting period.
Source: – goAML FAQs v1.9, Q.53 Row 8.
Documents to Keep Ready Before Filing
Have these documents ready before opening the goAML portal to file a DPMSR:
For transactions with individuals:
- Emirates ID (for UAE residents) or Passport (for residents and non-residents)
- Transaction amount, currency, and date
- Description of the goods (type of precious metal or stone, weight/quantity)
- Invoice or receipt (not mandatory but preferred, goAML FAQs v1.9, Q.53 Row 9)
For transactions with corporate entities/companies:
- Copy of the trade licence of the entity
- Emirates ID or Passport of the authorised representative of the company
- For international wire transfers: trade licence, entity name, and ID proof of the local representative (- goAML FAQs v1.9, Q.53 Row 10)
- Transaction amount in AED equivalent, payment mode, and date
- Invoice or relevant commercial documentation (preferred)
Record Keeping
All documents and information related to DPMSR-reportable transactions must be retained for a minimum of 5 years.
Source: – Circular 08/AML/2021 Clause 4.
Common Mistakes UAE DPMS Dealers Make
| Mistake | Why It Is Wrong | Correct Practice |
|---|---|---|
| Filing DPMSR for cheque payments to individuals | Circular 08/AML/2021 Clauses 1 and 2 limit individual DPMSR to cash only | Only file for cash payments from individuals at or above AED 55,000 |
| Assuming all USD wire transfers are reportable | Currency is irrelevant. Domestic UAE wires are exempt regardless of currency | Check whether the wire routes internationally, that is the only test |
| Not filing for exchange house transfers to corporate entities | Exchange house transfers are a DPMSR trigger for companies, even if domestic | Always assess exchange house transfers for corporate counterparties |
| Filing per month rather than per transaction | The 2-week window runs from the transaction date, not month-end | File within 2 weeks of each qualifying transaction individually |
| Not filing for each qualifying instalment receipt | Each cash receipt is assessed independently at the time it is received | File within 2 weeks of each individual cash receipt that reaches AED 55,000 |
| Assuming intra-company cash sales above AED 55,000 are reportable | Intra-company transactions are exempt regardless of amount | Confirm the relationship type first, intra-company is fully exempt |
DPMSR for Free Zone and Mainland UAE Precious Metals Businesses
The DPMSR obligation applies to all Dealers in Precious Metals and Stones licensed in the UAE. There is no distinction between mainland and free zone dealers in terms of the reporting requirement. However, the specific wire transfer scenarios differ depending on where accounts are held and how transfers are routed.
Free Zone DPMS Dealers: Key Rules
- A UAE free zone DPMS dealer is subject to the same DPMSR obligation as a mainland dealer.
- Cash transactions at or above AED 55,000 are always a DPMSR trigger regardless of whether the dealer or counterparty is in a mainland or free zone.
- A wire transfer between two FTZ-registered companies where funds stay within the UAE banking system is not reportable (- goAML FAQs v1.9, Q.53 Row 16.a).
- If the same FTZ-to-FTZ wire routes internationally (e.g. USD settlement through a correspondent bank), it IS reportable at or above AED 55,000 (- goAML FAQs v1.9, Q.53 Row 16.b).
- Transfers between group companies, whether mainland-to-FTZ or FTZ-to-FTZ, are exempt if they are related group company transactions (- goAML FAQs v1.9, Q.53 Rows 14, 16.f).
Mainland-to-FTZ Wire Transfer Scenarios
| Scenario | DPMSR Required? | Reference |
|---|---|---|
| Mainland company to FTZ company – same group (e.g. DMCC) – any wire for supplies | NO, Exempt (related group) | – goAML FAQs v1.9, Q.53 Row 14 |
| Mainland company to FTZ company – unrelated – AED wire, UAE bank | NO, Domestic wire, no international routing | – goAML FAQs v1.9, Q.53 Rows 15.4, 16.c |
| Mainland company to FTZ company – unrelated – USD wire routed internationally | YES if ≥ AED 55,000 | – goAML FAQs v1.9, Q.53 Row 16.c |
| FTZ company to FTZ company – same UAE bank – AED or USD | NO, Domestic | – goAML FAQs v1.9, Q.53 Row 16.a |
| FTZ company to FTZ company – different UAE banks – USD routed internationally | YES if ≥ AED 55,000 | – goAML FAQs v1.9, Q.53 Row 16.b |
| Related parties – one mainland, one FTZ – both with UAE bank accounts | NO, Related group exempt | – goAML FAQs v1.9, Q.53 Row 16.f |
Regulatory Sources Used by This Tool
The DPMSR Submission Requirement Checker is built exclusively on two regulatory sources. Every result produced by the tool cites the specific Clause or Row number from which it derives.
Source 1: Ministry of Economy Circular No. 08/AML/2021
| Detail | Information |
|---|---|
| Issuing authority | UAE Ministry of Economy – Anti-Money Laundering Department |
| Issue date | 2 June 2021 |
| Effective date | 12 June 2021 |
| Addressed to | Dealers in Precious Metals and Stones licensed in the UAE |
| Subject | goAML Reporting Requirements |
| Why it matters | This Circular is the primary legal source of the DPMSR filing obligation for UAE DPMS dealers. It sets the AED 55,000 threshold, the payment mode scope, identification requirements, and the 5-year record-keeping obligation. |
The four operative clauses of the Circular:
- Clause 1: Cash transactions with resident individuals at or above AED 55,000. Obtain an Emirates ID or a passport and register in goAML via DPMSR.
- Clause 2: Cash transactions with non-resident individuals at or above AED 55,000. Obtain an Emirates ID or a passport and register in goAML via DPMSR.
- Clause 3: Transactions with entities/companies at or above AED 55,000 in cash or through wire transfer. Obtain a trade licence and ID of the company representative and register in goAML via DPMSR.
- Clause 4: Record retention. All documents and information related to reportable transactions must be kept for a minimum of 5 years.
Source 2: UAE FIU goAML FAQs Guide v1.9 (22 November 2021), Q.53
| Detail | Information |
|---|---|
| Issuing authority | UAE Financial Intelligence Unit (UAE FIU) – CBUAE classified: Restricted |
| Version | v1.9 |
| Date | 22 November 2021 |
| Relevant section | Q.53 – What are the DPMSR reporting requirements? |
| Why it matters | Q.53 provides the authoritative FIU interpretation of DPMSR requirements through a detailed scenario-by-scenario Q&A matrix. It covers individual and corporate counterparties, all payment modes, instalment payments, barter, intra-company exemptions, and free zone / international wire scenarios. |
How to Print or Save the DPMSR Check Result
After receiving a result, click the Print / Save PDF button at the bottom of the result panel. This opens your browser’s print dialogue.
The printed output includes:
- The tool title and description
- Your Selections summary, the complete logic trail showing every answer you gave
- The full result card, reportable amount breakdown, regulatory basis, identification requirements, filing deadline, and record-keeping note
- The full disclaimer
- Footer
Tips for a clean printout:
- Select Save as PDF for a digital compliance record
- Enable Background graphics in your browser’s print settings to preserve colour coding
- All navigation buttons and the on-screen review widget are automatically hidden in print
DPMSR Submission Decision Matrix
The complete scenario reference on which the DPMSR Submission Requirement Checker logic is built. Sources: Ministry of Economy Circular No. 08/AML/2021 and UAE FIU goAML FAQs Guide v1.9, Q.53.
| Ref / Source | Scenario | DPMSR Required? | Key Reason |
|---|---|---|---|
| GROUP 1 – Individuals (Resident and Non-Resident) | |||
| Circular 08/AML/2021 Clause 1 goAML FAQs v1.9, Q.53 Row 1.1 | Cash with resident individual – AED 55,000 or above | YES | Cash is the sole DPMSR trigger for individuals. Emirates ID or Passport required. |
| Circular 08/AML/2021 Clause 2 goAML FAQs v1.9, Q.53 Row 1.2 | Cash with non-resident individual – AED 55,000 or above | YES | Same obligation as Clause 1 extended to non-residents. |
| Circular 08/AML/2021 Clauses 1 and 2 goAML FAQs v1.9, Q.53 Row 1.3 | Cheque, local wire, exchange house, international wire, card or LC with individuals – any amount | NO | Only cash triggers DPMSR for individuals. If suspicion arises, file STR. |
| goAML FAQs v1.9, Q.53 Row 1.4 | Old gold exchanged for new jewellery – no qualifying cash component | NO | No cash at or above threshold means no DPMSR. Cash portion at or above AED 55,000 is reportable. |
| GROUP 2 – Corporate Entities / Companies (B2B) | |||
| Circular 08/AML/2021 Clause 3 goAML FAQs v1.9, Q.53 Row B2B-1 | B2B cash transactions – AED 55,000 or above | YES | Trade licence and ID of company representative required. |
| goAML FAQs v1.9, Q.53 Row B2B-2 | Cheque and local UAE bank wire transfers – any amount | NO | Exchange house transfers remain a trigger even if domestically routed. |
| Circular 08/AML/2021 Clause 3 goAML FAQs v1.9, Q.53 Rows B2B-3 and 10 | International wire transfers – AED 55,000 or above | YES | Trade licence, entity name, and ID of local representative required. |
| GROUP 3 – Barter, Loans, Intra-Company and Special Types | |||
| goAML FAQs v1.9, Q.53 Row 2 | Gold-to-gold barter; making charge paid by cheque or wire | NO | Barter settlements with no qualifying cash component are not reportable. |
| goAML FAQs v1.9, Q.53 Row 3 | Margin calls and loans with banks | NO | Financing transactions with banks are excluded from DPMSR scope. |
| goAML FAQs v1.9, Q.53 Rows 4 and 5 | Intra-company transfers and intra-company cash sales above threshold | NO | Intra-company nature takes precedence regardless of amount or currency. |
| goAML FAQs v1.9, Q.53 Rows 6, 7 and 13 | Instalment or advance payments in cash – each receipt assessed individually | YES (per receipt) | Each cash receipt at or above AED 55,000 must be reported at time of receipt. |
| goAML FAQs v1.9, Q.53 Row 11 | Making charges only – no PMS buying or selling involved | NO | Making charges are not reportable where no PMS buy/sell is involved. |
| goAML FAQs v1.9, Q.53 Row 12 | Transactions through Letter of Credit (LC) issued by a bank | NO | LC-based transactions are outside DPMSR scope. |
| GROUP 4 – Record Keeping | |||
| Circular 08/AML/2021 Clause 4 | Record keeping for all DPMSR-related transactions | MANDATORY | All documents and information must be retained for a minimum of 5 years. |
| GROUP 5 – Free Zone, Mainland and International Wire Scenarios (Corporate Only) | |||
| goAML FAQs v1.9, Q.53 Row 14 | Mainland-to-FTZ, same group, wire for supplies | NO | Related group company transactions are excluded from DPMSR scope. |
| goAML FAQs v1.9, Q.53 Row 15.1 | Both UAE-registered; local USD transfer, same UAE bank | NO | Domestic. Currency is irrelevant. No international routing. |
| goAML FAQs v1.9, Q.53 Row 15.2 | Both UAE-registered; international wire in USD – AED 55,000 or above | YES | International wire trigger regardless of currency. |
| goAML FAQs v1.9, Q.53 Rows 15.4 and 15.4.3 | Mainland + FTZ; AED or USD; different UAE banks; domestic routing | NO | Both accounts at UAE-operating banks. No international routing. |
| goAML FAQs v1.9, Q.53 Row 16.a | 2 FTZ companies; AED or USD; same UAE bank | NO | Domestic settlement within UAE banking system. |
| goAML FAQs v1.9, Q.53 Row 16.b | 2 FTZ companies; USD; different UAE banks; settlement routes internationally | YES | International routing is the trigger regardless of both parties being UAE-registered. |
| goAML FAQs v1.9, Q.53 Row 16.c | FTZ and onshore UAE company; wire routed internationally | YES | International routing is the only test. |
| goAML FAQs v1.9, Q.53 Row 16.d | 2 onshore UAE companies; USD; same or different UAE banks | NO | No international routing. Currency irrelevant. |
| goAML FAQs v1.9, Q.53 Row 16.e | Physical PMS trade with bank regulated outside UAE (corporate only) | NO | Foreign-regulated banks excluded from DPMSR scope. |
| goAML FAQs v1.9, Q.53 Row 16.f | Related parties; one mainland, one FTZ; both with UAE bank accounts | NO | Related group company – excluded from DPMSR scope. |
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Frequently Asked Questions - DPMSR Filing in UAE
When is a DPMSR filing required in the UAE?
When a UAE-licensed DPMS dealer conducts a qualifying transaction, and the reportable amount equals or exceeds AED 55,000. For individuals, only cash is assessed. For corporate entities, cash, exchange house transfers, and international wire transfers are summed jointly against the threshold.
What is the DPMSR threshold in UAE?
AED 55,000. Set by Ministry of Economy Circular No. 08/AML/2021 Clauses 1, 2, and 3. Transactions below this amount do not require a DPMSR, though suspicious transactions of any amount must always be reported as an STR or SAR.
Who must file a DPMSR in the UAE?
All Dealers in Precious Metals and Stones licensed in the UAE, including gold and jewellery retailers, bullion traders, diamond and gemstone dealers, and precious metals wholesalers in both the mainland UAE and free zones.
What is the DPMSR filing deadline?
Within 2 weeks of the qualifying transaction occurring. The window runs from the date of the transaction – not from month-end or any other reporting period (- goAML FAQs v1.9, Q.53 Row 8).
What triggers a DPMSR for an individual counterparty?
Only cash payments at or above AED 55,000 (- Circular 08/AML/2021 Clauses 1 and 2). Cheques, bank wires, exchange house transfers, international wires, card payments, and Letters of Credit are all explicitly excluded for individuals.
What triggers a DPMSR for a corporate entity?
Cash, exchange house transfers, and international wire transfers, assessed jointly or individually, when the combined reportable amount equals or exceeds AED 55,000 (- Circular 08/AML/2021 Clause 3). Local UAE bank wire transfers (in any currency, to any UAE bank) are not DPMSR triggers.
Is DPMSR required for exchange house transfers?
For corporate entities: yes, exchange house transfers are a DPMSR trigger even when domestically routed. For individuals: No, exchange house transfers are exempt for individuals under Circular 08/AML/2021 Clauses 1 and 2.
Does DPMSR apply to free zone UAE companies?
Yes. The obligation applies to all UAE-licensed DPMS dealers, including those in free zones such as DMCC, DAFZA, and others. The tool covers all free zone wire scenarios from goAML FAQs v1.9, Q.53 Rows 16.a to 16.f.
Must an STR also be filed if a DPMSR is required?
Yes. If there is suspicion of money laundering or terrorist financing. A DPMSR and an STR can be required simultaneously for the same transaction. Always file an STR whenever suspicion arises, regardless of whether a DPMSR is required or not.
What is the difference between DPMSR and STR?
A DPMSR is threshold-based, and it is filed automatically when qualifying conditions are met, regardless of suspicion. An STR is suspicion-based, and it is filed whenever there are reasonable grounds to suspect money laundering or terrorist financing, regardless of amount or payment mode. They serve different purposes and can both be required for the same transaction.
What identification is required for DPMSR filing?
Individuals: Emirates ID or Passport (- Circular 08/AML/2021 Clauses 1 and 2).
Corporate entities: trade licence and Emirates ID or Passport of the authorised representative (- Circular 08/AML/2021 Clause 3). For international wire transfers, additionally: trade licence, entity name, and ID proof of the local representative (- goAML FAQs v1.9, Q.53 Row 10).
Are instalment cash payments treated as separate DPMSR events?
Yes. Each cash instalment receipt is assessed independently at the time it is received. If a single cash receipt reaches or exceeds AED 55,000, a DPMSR must be filed within 2 weeks of that receipt (- goAML FAQs v1.9, Q.53 Rows 6, 7, 13).
Does the tool replace professional compliance advice?
No. The tool is for general guidance only. For complex scenarios, edge cases, or institutional compliance support, consult a qualified UAE AML compliance professional. Contact AMLUAE at amluae.com/contact-aml-uae/ or the Ministry of Economy at aml@moet.gov.ae.
Is the DPMSR Submission Requirement Checker free to use?
Yes. Available at amluae.com. No registration, no login, no paywall. Results are generated instantly based on your selections. The tool is available 24/7 on desktop, tablet, and mobile.
Why Use the DPMSR Submission Requirement Checker?
| Feature | Benefit |
|---|---|
| Structured 5-step wizard | No compliance expertise required, each decision is guided logically. |
| Multi-select payment mode input | Handles real transactions that combine multiple settlement methods (e.g. part cash, part wire). |
| Live reportable amount calculator | Computes Cash + Exchange house + International wire in real time against the AED 55,000 threshold. |
| Exact regulatory citations in every result | Every outcome references the specific Circular Clause or Q.53 Row number, no generic guidance. |
| Instant exempt-path routing | Making charges, bank loans, and intra-company transactions exit immediately with the correct exempt result and citation. |
| Covers free zone and mainland UAE businesses | Addresses all FTZ-specific wire transfer scenarios from goAML FAQs v1.9, Q.53 Rows 16.a to 16.f. |
| Print / Save PDF output | Produces a formatted compliance record for documentation and audit purposes. |
| Free and always accessible | No login, no registration. Available 24/7 at amluae.com on all devices. |
| Logic sourced from authoritative documents | Built directly on Ministry of Economy Circular 08/AML/2021 and UAE FIU goAML FAQs v1.9, Q.53. |
| Works for individuals and corporate entities | Covers both Section 1 (individuals) and Section 2 (corporate) of the DPMSR Submission Requirement Checker document. |
Disclaimer
This article and the DPMSR Submission Requirement Checker tool are published for general compliance guidance and educational purposes only and do not constitute legal or regulatory advice.
Logic is based on Ministry of Economy Circular No. 08/AML/2021 (effective 12 June 2021) and the UAE FIU goAML FAQs Guide v1.9 (22 November 2021), Q.53. Regulatory requirements may be updated; always verify current obligations with the Ministry of Economy or a qualified compliance professional.
AMLUAE accepts no liability for decisions made on the basis of this tool or article.
Contact: info@amluae.com | amluae.com/contact-aml-uae/
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