Compared
Certaby vs Credas
Credas is the market-dominant UK property compliance vendor; the company claims involvement in 60% of UK housing transactions with 350,000+ monthly users. UK Government Trust Framework Certified. Ships ID plus AML plus PEPs/sanctions plus Source-of-Funds (Open Banking) plus KYB plus Right-to-Work/Rent. Pricing is quote-only via demo; contracts are typically subscription-tiered.
Certaby is pay as you go: 99p a person for the sanctions check (£1.39 with PEP and adverse media), so a let or sale with two people and the property risk pack is £3.27. Credas is subscription-only with no public per-check rate; the typical quote depends on volume tier, sector, and feature mix, and buyer reports put the contract floor in the hundreds per month before per-check fees. Certaby is around £16.35 a month for a 5-let independent.
| Feature | Certaby | Credas |
|---|---|---|
| Pricing model | Pay per check: 99p a person, a let from £1.98, a sale from £2.78 | Subscription quote-only via demo |
| Time to first check | Email sign-in, ~60 sec | Demo + contract + onboarding (~2-4 weeks) |
| Market share (UK property) | New entrant (2026) | ~60% of UK housing transactions (their claim) |
| ID + biometric verification | Not yet (you check the document, Certaby records it) | Built in (IDVT certified) |
| Source-of-Funds (Open Banking) | On our roadmap | Built in |
| KYB depth | Companies House live; every director and owner screened | 400M+ companies (their figure) |
| Right-to-Work / Right-to-Rent | Right to Rent record (England), no charge; Right to Work not offered | Built in |
| Property-risk overlay (MEES, flood, crime) | The property risk pack, in any let or sale | Not offered |
| Audit-cert format | Hash-bound + public verifier (7y) | PDF cert; format varies by module |
| Source transparency | Each list and its date named on the cert | Proprietary |
Where Credas wins
- Credas's biometric IDV is the market-leading capability in the UK property compliance space (UK Government Trust Framework certified). Certaby has biometric IDV on the roadmap; if it is a binding requirement for tenant onboarding today, Credas covers it.
- Source-of-Funds via Open Banking (TrueLayer / Plaid wiring) is in production at Credas. Certaby has source of funds on its roadmap; if reg 33 enhanced cases need automated SoF today, Credas ships it.
- Credas runs Right to Rent and Right to Work checks with document verification. Certaby records the Right to Rent check you do on gov.uk (England, no charge) but does not verify documents or cover Right to Work.
Ready to compare for real?
Run a Certaby check on a real prospect to see the output format, audit-cert PDF, and verify URL alongside your existing tooling. No card to view the result; no contract.
Frequently asked questions
Does Credas always require a sales call before I can run a check?
In our research as of 2026, yes. The credas.com site routes all enquiries to a "Book a demo" form; no self-service pricing or trial is published. Certaby is sign-in-with-email plus first-check-paid.
Is Certaby suitable for a firm that has been using Credas?
For the AML and property-risk side, yes. The audit-cert plus PSC walk plus sanctions screening cover the equivalent ground (PEP screening is a 40p add-on). If you also rely on Credas for biometric IDV, RtR, or Open Banking SoF, you would keep Credas (or a single-purpose vendor for each) for that surface and use Certaby for the AML plus property layer.
Is the 60% market-share claim a moat?
It is real reach, but not a moat in the MLR-2017 sense. Compliance vendor choice is per-firm; regulator-accepted evidence does not depend on which vendor your peers use. The pricing-model difference (per-check PAYG vs subscription contract) is the practical decision driver for most independent and mid-size firms.
Or see the 5-vendor matrix to compare Certaby against all peers in one view, run the free suite demo for no card, or review pricing.