{"id":25111,"date":"2026-08-17T22:42:13","date_gmt":"2026-08-17T22:42:13","guid":{"rendered":"https:\/\/globaltax.com.uy\/anti-money-laundering-law-uruguay\/"},"modified":"2026-10-07T15:38:21","modified_gmt":"2026-10-07T15:38:21","slug":"anti-money-laundering-law-uruguay","status":"publish","type":"post","link":"https:\/\/globaltax.com.uy\/en\/anti-money-laundering-law-uruguay\/","title":{"rendered":"Uruguay&#8217;s anti-money laundering law: obliged entities and duties"},"content":{"rendered":"<div class=\"gt-keybox\">\n<p><strong>In short (updated 2026):<\/strong><\/p>\n<ul>\n<li>Uruguay&#8217;s anti-money laundering law is <strong>Law 19.574<\/strong> (2017), a comprehensive law that punishes money laundering with <strong>2 to 15 years<\/strong> in prison and treats it as a standalone offence.<\/li>\n<li><strong>Obliged entities<\/strong> include every financial institution supervised by the Central Bank (BCU) and a long list of non-financial businesses: notaries, real estate agents, casinos, auctioneers, accountants, lawyers and corporate service providers, among others.<\/li>\n<li>They must carry out <strong>customer due diligence<\/strong>, identify the beneficial owner, keep records for five years and <strong>report suspicious transactions to the UIAF<\/strong> without tipping off the customer.<\/li>\n<li><strong>Tax fraud<\/strong> is a predicate offence when the tax evaded exceeds 400,000 UI in a fiscal year, or with no threshold if false documents are used.<\/li>\n<\/ul>\n<\/div>\n<div class=\"gt-toc\">\n<p>Contents<\/p>\n<ol>\n<li><a href=\"#what\">What counts as money laundering<\/a><\/li>\n<li><a href=\"#predicate\">Predicate offences<\/a><\/li>\n<li><a href=\"#authorities\">SENACLAFT and the UIAF<\/a><\/li>\n<li><a href=\"#obliged\">Who the obliged entities are<\/a><\/li>\n<li><a href=\"#duties\">Their obligations<\/a><\/li>\n<li><a href=\"#penalties\">Penalties<\/a><\/li>\n<li><a href=\"#cash\">Cash: borders and payments<\/a><\/li>\n<li><a href=\"#family-offices\">Family offices and wealth structures<\/a><\/li>\n<li><a href=\"#practice\">What it means for you<\/a><\/li>\n<li><a href=\"#faq\">FAQ<\/a><\/li>\n<\/ol>\n<\/div>\n<p>Uruguay tightened its anti-money laundering regime in 2017 with a comprehensive law that now reaches banks, notaries, real estate agents and almost anyone involved in transactions with money or property. This guide explains Uruguay&#8217;s AML law: who the obliged entities are, what they must do and what it means if you buy property, open a bank account or set up a company in Uruguay. For the wider picture, see <a href=\"https:\/\/globaltax.com.uy\/en\/financial-regulation-in-uruguay\/\">financial regulation in Uruguay<\/a>.<\/p>\n<div class=\"gt-hub\">\n<p>Related guides<\/p>\n<ul>\n<li><a href=\"https:\/\/globaltax.com.uy\/en\/financial-regulation-in-uruguay\/\"><strong>Financial regulation in Uruguay<\/strong><span>Main guide: the BCU, laws and licences.<\/span><\/a><\/li>\n<li><a href=\"https:\/\/globaltax.com.uy\/en\/kyc-compliance-uruguay\/\"><strong>KYC and compliance<\/strong><span>Building an AML programme.<\/span><\/a><\/li>\n<li><a href=\"https:\/\/globaltax.com.uy\/en\/fiduciary-services-from-uruguay\/\"><strong>Fiduciary services<\/strong><span>Trustees and AML duties.<\/span><\/a><\/li>\n<li><a href=\"https:\/\/globaltax.com.uy\/en\/compliance-and-governance\/\"><strong>Compliance and governance<\/strong><span>Our service.<\/span><\/a><\/li>\n<\/ul>\n<\/div>\n<h2 id=\"what\">What counts as money laundering under Uruguayan law?<\/h2>\n<table>\n<thead>\n<tr>\n<th>Conduct<\/th>\n<th>Article<\/th>\n<th>Penalty<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Converting or transferring criminal proceeds<\/td>\n<td>30<\/td>\n<td>2 to 15 years<\/td>\n<\/tr>\n<tr>\n<td>Acquiring, possessing, using or dealing with criminal proceeds<\/td>\n<td>31<\/td>\n<td>2 to 15 years<\/td>\n<\/tr>\n<tr>\n<td>Concealing or altering evidence of the true origin or ownership of the assets<\/td>\n<td>32<\/td>\n<td>12 months to 6 years<\/td>\n<\/tr>\n<tr>\n<td>Helping offenders secure the proceeds or evade justice<\/td>\n<td>33<\/td>\n<td>12 months to 6 years<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><strong>Standalone offence<\/strong> (Article 36): the predicate offence does not need to have been tried first.<\/li>\n<li><strong>Self-laundering<\/strong> (Article 35): the person who committed the predicate offence can also be charged with laundering.<\/li>\n<li>The same law covers <strong>terrorist financing<\/strong>: funds suspected of financing terrorism must be reported even if their origin is lawful.<\/li>\n<\/ul>\n<h2 id=\"predicate\">Predicate offences<\/h2>\n<ul>\n<li>Drug trafficking, terrorism and its financing, arms trafficking and human trafficking.<\/li>\n<li>Public corruption offences.<\/li>\n<li>Smuggling above 100,000 UI.<\/li>\n<li><strong>Tax fraud<\/strong> when the tax evaded in a fiscal year exceeds 400,000 UI, or with no threshold if false invoices or documents are used (wording set by Law 20.469 of March 2026).<\/li>\n<\/ul>\n<p class=\"gt-note\">Because tax fraud is a predicate offence, undeclared money from another country may be treated as criminal proceeds. Regularise your tax position at home before bringing it to Uruguay. See <a href=\"https:\/\/globaltax.com.uy\/en\/changing-tax-residency-uruguay\/\">changing tax residency<\/a>.<\/p>\n<h2 id=\"authorities\">SENACLAFT and the UIAF<\/h2>\n<ul>\n<li><strong>SENACLAFT<\/strong>, the national anti-money laundering secretariat, sets national policy and supervises non-financial obliged entities.<\/li>\n<li><strong>UIAF<\/strong>, the financial intelligence unit within the Central Bank, receives suspicious transaction reports from all obliged entities and supervises financial institutions.<\/li>\n<\/ul>\n<h2 id=\"obliged\">Who are the obliged entities in Uruguay?<\/h2>\n<table>\n<thead>\n<tr>\n<th>Group<\/th>\n<th>Who<\/th>\n<th>Supervisor<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Financial<\/strong> (Art. 12)<\/td>\n<td>Banks, exchange houses, financial services companies, insurers, securities brokers, investment advisers, professional trustees, fund managers and other BCU-supervised entities<\/td>\n<td>BCU<\/td>\n<\/tr>\n<tr>\n<td><strong>Non-financial<\/strong> (Art. 13)<\/td>\n<td>Casinos; real estate agents, developers and builders (in sales, not rentals); notaries and lawyers in certain transactions; auctioneers; dealers in antiques, art, precious metals and stones; free zone users and operators; corporate service providers; independent accountants in certain transactions; non-profits; sports companies, among others<\/td>\n<td>SENACLAFT<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"duties\">What obliged entities must do<\/h2>\n<ol class=\"gt-steps\">\n<li><strong>Customer due diligence<\/strong> (Art. 14): identify and verify the customer, understand the purpose of the relationship and monitor it. No anonymous accounts. See <a href=\"https:\/\/globaltax.com.uy\/en\/kyc-compliance-uruguay\/\">KYC and corporate compliance<\/a>.<\/li>\n<li><strong>Identify the beneficial owner<\/strong>: the individual holding at least 15% of capital or votes, or exercising ultimate control (Art. 15).<\/li>\n<li><strong>Risk-based approach<\/strong> (Art. 16): simplified measures for low risk, enhanced for high risk.<\/li>\n<li><strong>Politically exposed persons<\/strong> (Art. 20): enhanced due diligence for anyone holding, or who held in the last five years, a prominent public role in Uruguay or abroad.<\/li>\n<li><strong>Keep records<\/strong> for at least five years after the relationship ends (Art. 21).<\/li>\n<li><strong>Report to the UIAF<\/strong> any unusual or suspicious transaction, without telling the customer.<\/li>\n<\/ol>\n<h2 id=\"penalties\">Penalties for non-compliance<\/h2>\n<ul>\n<li><strong>Non-financial obliged entities:<\/strong> fines from 1,000 UI to 20,000,000 UI depending on severity and business volume.<\/li>\n<li><strong>Financial institutions:<\/strong> the Central Bank&#8217;s sanctions regime, up to suspension or revocation of the licence.<\/li>\n<li><strong>Criminal:<\/strong> the laundering penalties above, for anyone taking part.<\/li>\n<\/ul>\n<h2 id=\"cash\">Cash: borders and payments<\/h2>\n<ul>\n<li><strong>At the border<\/strong> (Art. 29): anyone entering or leaving with more than US$10,000 in cash, precious metals or bearer instruments must declare it.<\/li>\n<li><strong>In payments:<\/strong> since Law 19.889 (2020), up to 1,000,000 UI of a transaction can be paid in cash; the rest must go through the banking system. In property purchases the notary records how the price was paid.<\/li>\n<\/ul>\n<h2 id=\"family-offices\">Family offices and wealth structures<\/h2>\n<p>Layered structures (a company owning another, a trust holding shares) attract the most questions from banks and notaries, because they must reach the individual behind them. Licensed family offices and <a href=\"https:\/\/globaltax.com.uy\/en\/fiduciary-services-from-uruguay\/\">professional trustees<\/a> are financial obliged entities; trustees and corporate service providers must identify the beneficial owners of the structures they run. Keep a ready file documenting the family&#8217;s source of wealth (business sales, inheritances, dividends, tax returns): it will be requested again and again.<\/p>\n<h2 id=\"practice\">What it means for you<\/h2>\n<ul>\n<li><strong>Buying property:<\/strong> the notary and agent will ask for ID and source-of-funds documents, with more scrutiny if you are a non-resident or a PEP.<\/li>\n<li><strong>Opening an account:<\/strong> the bank will ask for source of funds and your tax residency, which is also reported under the CRS.<\/li>\n<li><strong>Setting up a company or trust:<\/strong> its <a href=\"https:\/\/globaltax.com.uy\/en\/beneficial-ownership-uruguay\/\">beneficial owner<\/a> must be identified and declared to the BCU.<\/li>\n<li><strong>If your business is an obliged entity:<\/strong> you need a procedures manual, risk assessment, customer records and a reporting channel to the UIAF.<\/li>\n<\/ul>\n<h2 id=\"faq\">FAQ<\/h2>\n<div class=\"gt-faq-list\">\n<details>\n<summary>What is Uruguay&#8217;s anti-money laundering law?<\/summary>\n<p>Law 19.574 of 2017, the comprehensive law against money laundering and terrorist financing.<\/p>\n<\/details>\n<details>\n<summary>What is the penalty for money laundering in Uruguay?<\/summary>\n<p>2 to 15 years for converting, transferring or possessing criminal proceeds; 12 months to 6 years for concealment or assistance.<\/p>\n<\/details>\n<details>\n<summary>Is tax evasion a predicate offence?<\/summary>\n<p>Yes: tax fraud above 400,000 UI in a fiscal year, or with no threshold if false documents are used.<\/p>\n<\/details>\n<details>\n<summary>How much cash can I bring into Uruguay?<\/summary>\n<p>There is no cap, but anything above US$10,000 must be declared.<\/p>\n<\/details>\n<details>\n<summary>Where are suspicious transactions reported?<\/summary>\n<p>To the UIAF, the financial intelligence unit of the Central Bank, without informing the customer.<\/p>\n<\/details>\n<\/div>\n<h2>Need an AML programme?<\/h2>\n<p>At GlobalTax we build AML manuals, risk matrices and due diligence procedures for obliged entities, and help clients and investors document their source of funds, in English, Spanish or Portuguese. See <a href=\"https:\/\/globaltax.com.uy\/en\/compliance-and-governance\/\">compliance and governance<\/a> or <a href=\"https:\/\/globaltax.com.uy\/en\/contact\/\">contact us<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uruguay&#8217;s AML law explained: penalties, predicate offences, obliged entities, customer due diligence, UIAF reporting and sanctions.<\/p>\n","protected":false},"author":14,"featured_media":25183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[286],"tags":[],"class_list":["post-25111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-management-of-procedures-in-uruguay"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Uruguay anti-money laundering law (19.574): 2026 guide<\/title>\n<meta name=\"description\" content=\"Uruguay&#039;s 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