How to file an STR in Ireland: the goAML + Revenue ROS dual-reporting guide
Ireland is unusual: one suspicion means two submissions. Here is how the dual-reporting system works, how to get your MLRO registered on both portals, and how to evidence that both filings were made.
In Ireland, a Suspicious Transaction Report must be filed twice: with FIU Ireland (An Garda Síochána) through the goAML portal, and with the Revenue Commissioners through ROS as an XML upload. The XML generated by goAML is accepted by ROS, and your MLRO must be registered on both systems. The obligation is met only when both submissions are made and recorded.
Why does Ireland require two STR submissions?
Under Irish law, designated persons report suspicions of money laundering or terrorist financing to two authorities: FIU Ireland, the financial intelligence unit within An Garda Síochána, and the Revenue Commissioners. Each receives its own submission. FIU Ireland takes reports through its goAML portal (fiu-ireland.ie); Revenue takes them through ROS as an XML upload.
The practical saving grace is that the two submissions carry the same report. goAML can generate an XML file of what you filed, and ROS accepts that XML — so the work is in preparing one good report and making sure both filings actually happen.
One thing Ireland does not have is a threshold transaction report regime. There is no equivalent of Australia’s TTR: you do not report transactions simply for crossing a monetary threshold. Reporting in Ireland is suspicion-based.
How do you file an STR in Ireland, step by step?
Six steps, from registration to a documented dual filing. Steps 1 and 2 are one-off setup — do them now, not on the day a suspicion arises.
Register your MLRO with FIU Ireland on goAML
Before your firm can file anything, your Money Laundering Reporting Officer (MLRO) must be registered on the goAML portal operated by FIU Ireland (An Garda Síochána). Registration is done through fiu-ireland.ie. Follow the FIU’s current registration instructions — the portal itself is the authoritative source for what it needs from your firm.
Register for STR reporting with Revenue on ROS
Ireland requires a second, separate submission of the same report to the Revenue Commissioners. Your MLRO must also be set up to file STRs through the Revenue Online Service (ROS). If your firm already uses ROS for tax, check with Revenue that your STR reporting access is in place — it is a distinct function.
Form and document the suspicion
An STR starts with a suspicion of money laundering or terrorist financing. Record what was observed, when, by whom, and why it raised suspicion. Keep this internal record separate from the client file your client-facing staff can see — tipping off a client that a report has been made is an offence.
Prepare the report and file it on goAML
Your MLRO prepares the report and submits it to FIU Ireland through the goAML portal. goAML can generate an XML version of the submitted report — keep it, because you will reuse it in the next step.
File the same report with Revenue via ROS
Upload the report to Revenue through ROS as an XML file. The XML generated by goAML is accepted by ROS, so you do not need to re-key the report — one prepared report, two submissions.
Record both submissions and acknowledgements
Your obligation is only discharged when both submissions are made. Log the date of each filing, the reference or acknowledgement from each system, and store the evidence with your internal suspicion record. If a supervisor inspects your reporting, this is the trail they will want to see.
How quickly must an STR be filed?
File promptly. Irish law expects reports to be made as soon as practicable once a suspicion is formed — an STR is not something to batch for the end of the month. Do not proceed with a transaction you suspect without considering whether you may, and never tip off the client that a report has been or will be made.
For the precise legal timing rules, and what to do when a transaction cannot sensibly be delayed, check the current guidance from FIU Ireland and Revenue, and your sector supervisor’s guidance. Those sources — not a software vendor’s website — are where the procedural detail lives, and they are updated as the EU framework changes ahead of 10 July 2027.
What are the most common STR filing mistakes?
Filing to goAML only
The most common gap. In Ireland an STR goes to FIU Ireland and to Revenue. One submission is half a filing.
Only one registration in place
Firms register on goAML and assume ROS follows automatically. It does not — the MLRO needs to be set up on both systems before a report is ever needed.
Re-keying the report for ROS
ROS accepts the goAML-generated XML. Retyping the report wastes time and risks the two submissions not matching.
No evidence of the second filing
If you cannot show when each submission was made and acknowledged, you cannot show you met the obligation.
Waiting for a threshold
Ireland has no threshold transaction report (TTR) regime. STRs are driven by suspicion, not by transaction size.
CompliDesk’s STR builder prepares the report record, exports goAML-compatible XML for both uploads, and tracks both submission dates and acknowledgements. CompliDesk prepares and records — your MLRO files. See also our CDD file checklist for the records that sit behind a well-evidenced report.
One report, two filings, full evidence trail
See how CompliDesk builds the STR record, exports the XML for goAML and ROS, and logs both submissions — or join the waitlist for free early access.