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 per-check PAYG from £2.95. Credas is subscription-only with no public per-check rate; the typical quote depends on volume tier, sector, and feature mix. For a small or mid-size firm, the Credas contract floor is typically £500+ per month before per-check fees. Certaby is around £15/month for a 5-let independent.
| Feature | Certaby | Credas |
|---|---|---|
| Pricing model | Per-check PAYG from £2.95 | 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 in v1 (gated on customer demand) | Built in (IDVT certified) |
| Source-of-Funds (Open Banking) | On conveyancer Pro roadmap | Built in |
| KYB depth | Companies House live + PSC walk | 400M+ companies (their figure) |
| Right-to-Work / Right-to-Rent | Not offered | Built in |
| Property-risk overlay (MEES, flood, crime) | Built in to every check | Not offered |
| Audit-cert format | Hash-bound + public verifier (7y) | PDF cert; format varies by module |
| Source transparency | OpenSanctions named on cert | Proprietary |
Where Credas wins
- Credas's IDV (biometric ID, document verification) is established and certified under the UK Government Trust Framework. Certaby v1 has no biometric IDV; the gap closes when a paying customer asks for it.
- Source-of-Funds via Open Banking (TrueLayer / Plaid wiring) is in production at Credas. Certaby has it on the conveyancer Pro roadmap.
- Right-to-Rent and Right-to-Work flows are built in at Credas. Certaby does not offer these; you would still need a separate service.
- If your firm runs 200+ checks per month and wants single-vendor coverage across AML plus IDV plus SoF plus RtR, Credas is the tighter fit.
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.
Try Certaby (no demo call, 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/PEP cover the equivalent ground. 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 a free FCA check for no card, or review pricing.