AML Compliance Toolkit · Canada

Do I need to report this transaction?

Answer a few quick questions about a cash, crypto or wire transaction. You will see which FINTRAC report is required, if any, and the exact filing deadline.

1

What type of business are you?

Some reports only apply to certain types of businesses.

2

How was the money moved?

3

Did you receive it or send it?

4

How much, and when?

Use the Canadian dollar value. For foreign currency or crypto, convert using the exchange rate on the day of the transaction.

$
$

The 24-hour rule: several smaller amounts that add up to $10,000 or more within 24 consecutive hours can require one report.

5

Who is the client?

6

Does anything feel wrong about it?

For example: the story does not make sense, the client avoids ID checks, or amounts stay just under $10,000.

The rules this checker uses

ReportWhen it is requiredDeadline
Large Cash Transaction Report (LCTR)You receive $10,000 or more in cash, in one transaction or under the 24-hour rule15 calendar days
Large Virtual Currency Transaction Report (LVCTR)You receive crypto worth $10,000 or more, in one transaction or under the 24-hour rule5 working days
Electronic Funds Transfer Report (EFTR)An international transfer of $10,000 or more, sent or received for a client (financial entities, MSBs and casinos)5 working days
Casino Disbursement Report (CDR)A casino pays out $10,000 or more15 calendar days
Suspicious Transaction Report (STR)Reasonable grounds to suspect money laundering, terrorist financing or sanctions evasion, at any amount, including attempted transactionsAs soon as practicable
Listed Person or Entity Property ReportProperty linked to a listed terrorist group or personImmediately

Working-day deadlines here skip weekends only. A public holiday in that period can give you one more day, but we show the earlier date to keep you safe. Cash or crypto received from a financial entity or public body is generally exempt from LCTR and LVCTR reporting. Each report is separate: one transaction can require more than one report.

This tool is for general education and does not replace legal or compliance advice. Always confirm with FINTRAC's official guidance.

© 2026 zov911 · Designed & built by zov911 · GitHub · Rules last reviewed October 2026 (incl. 2024–2025 reporting-entity expansions). Not affiliated with FINTRAC.