CBC AML reportingCyprus AML/CFT risk data, from Excel to CBC XML
Institutions supervised by the Central Bank of Cyprus report their AML/CFT customer-risk data every quarter in a strict XML format. Our Excel template, built for the PAYINST-AML-RA requirements, turns your data into a compliant CBC XML file in one click.
| Table | Content | Checks |
|---|---|---|
| Legal persons | Risk, UBO, NACE | No errors |
| Natural persons | Risk, PEP, country | 2 errors |
| Transactions | Values and volumes | No errors |
| Balances | End of quarter | No errors |
Quarterly
Reporting to the Central Bank of Cyprus
100+
Mandatory and conditional fields
v1.2
PayInstRiskAssessment XML schema
Excel
Template with one-click XML
Why the XML is hard to get right
The files must follow the exact structure of the official schema, PayInstRiskAssessment_v1.2.xsd, and the CBC “Data submission template – Instructions and tables”. Manual preparation leads to delays, failed submissions and unnecessary compliance risk.
- Legal persons and natural persons tables
- More than 100 mandatory and conditional fields
- Strict formats for numbers, decimals and Yes/No indicators
- Country codes, NACE 2.0 and 2.1 codes, UBO rules, PEP classification
- Transaction-value exclusions: internal transfers, reversals, intra-group flows
- Period-specific reporting windows and reference dates
A turnkey tool for compliant CBC XML files
A specialised Excel template engineered for the CBC PAYINST-AML-RA requirements: user-friendly data entry combined with automated XML generation.
Built for PAYINST-AML-RA
The template follows the CBC tables and instructions, for legal persons and natural persons.
Formats enforced
Numbers, decimals and Yes/No indicators are entered in the format the schema expects.
Code lists included
Country codes and NACE 2.0 and 2.1 codes are selected from lists rather than typed.
XML in one click
The XML file is generated from the template in the structure of the CBC schema.
Fewer rejected files
Data is checked before the file is created, so issues are fixed before submission.
Familiar to your team
Compliance teams work in Excel, with no XML knowledge required.
Who must report
The requirement applies to institutions and entities supervised by the Central Bank of Cyprus, under R.A.A. 120/2025 (Κ.Δ.Π. 120/2025, Official Gazette No. 5943).
- Credit institutions
- Electronic money institutions
- Payment institutions
- Currency exchange offices
- Financial credit companies
- Credit servicing firms
- Credit management firms
- Other CBC-supervised entities
What the report contains
Institutions provide customer-level risk information, aligned with the CBC schema and its field-level validation rules.
| Area | Content |
|---|---|
| Customer segmentation | Legal persons and natural persons, by customer category |
| Risk | Customer risk ratings |
| Ownership | Ultimate beneficial owner (UBO) information |
| PEP | Politically exposed person status |
| Activity | NACE 2.0 and 2.1 codes, involvement in crypto-asset services |
| Transactions | Values and volumes, excluding internal transfers, reversals and intra-group flows |
| Balances | Balances at the reference date |
| Geography | Country codes |
From your data to the CBC
Fill in
Enter or paste your customer data in the Excel template.
Check
Formats, codes and mandatory fields are verified.
Generate
Create the XML file in the structure of the CBC schema.
Submit
Send it to the Central Bank of Cyprus for the quarter.
Frequently asked questions
What is the CBC AML XML reporting?
The mandatory submission of structured AML/CFT customer-risk data to the Central Bank of Cyprus in a prescribed XML format, following the official schema PayInstRiskAssessment_v1.2.xsd and the CBC instructions. It gives the CBC consistent supervisory data to assess AML/CFT risk at institution and sector level.
Who must submit it?
Credit institutions, electronic money institutions, payment institutions, currency exchange offices, financial credit companies, credit servicing and credit management firms, and any other person or entity supervised by the Central Bank of Cyprus.
How often is it reported?
Every quarter, within the reporting windows and reference dates set by the CBC.
What data does the report contain?
Customer segmentation, risk ratings, ultimate beneficial owner (UBO) information, PEP status, NACE codes, involvement in crypto-asset services, transaction values and volumes, balances and country codes, for legal persons and natural persons.
What is the legal basis?
R.A.A. 120/2025 (Κ.Δ.Π. 120/2025), Official Gazette No. 5943, together with the CBC data submission template, instructions and tables.
Why not prepare the XML by hand?
The schema is rigid: more than 100 mandatory and conditional fields, strict number, decimal and Yes/No formats, code lists and exclusion rules. Manual preparation leads to rejected files, delays and compliance risk.
Official sources
Central Bank of Cyprus
Legal basis
Other reporting solutions
Your next CBC AML report, ready before the deadline
Tell us about your customer base. We will show you the template on your own data.