A counter deposit is where a cash record and an anti-money-laundering record meet. MLR 2017 reg. 27 requires customer due diligence not only at onboarding but on an occasional transaction of EUR 15,000 or more, and wherever money laundering is suspected. POCA 2002 s.330 then makes a failure to disclose a suspicion an offence for anyone in the regulated sector, and s.333A treats a disclosure likely to prejudice an investigation as a separate offence. The slip is evidence twice over. UK GDPR Art. 5(1)(c) still limits what a shared copy may carry. anonym.plus marks each field on your machine, so the totals stay readable while the depositor details are shielded.
When this applies
An internal auditor samples a day of counter stubs to test cash-handling controls. The totals and the branch codes carry the finding. The depositor's name, National Insurance number and account do not, so they come off first.
How anonym.plus handles it
- Open the document in anonym.plus on your device.
- Local OCR reads the handwritten or printed fields.
- It flags the depositor, the number, and amounts.
- Confirm the flags and keep the branch and date codes.
- Apply Mask to the number and personal fields.
- Save the clean copy locally.
What you need to provide
- The deposit form (image scan or PDF).
- An operator: Replace, Redact, or Mask.
- Optional batch for a counter drawer's stubs.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Financial | UK_SORT_CODE | 77-82-00 → [SORT_CODE] |
| Financial | UK_BANK_NUMBER | 77820091 → ****0091 |
| Names | PERSON | depositor T. Park → [DEPOSITOR] |
| Money | MONEY | cash £2,300.00 → [AMOUNT] |
| Identifiers | UK_NINO | QQ 11 22 33 D → [NINO] |
| Dates | DATE_TIME | dated 05/2026 → [DATE] |
Compliance achieved
- Preserves the counter evidence behind due diligence triggered by MLR 2017 reg. 27.
- Keeps the original available to support a disclosure under POCA 2002 s.330 without cutting across the tipping-off rule in s.333A.
- Applies the minimisation duty in UK GDPR Art. 5(1)(c) to the shared copy.
- Supports the orderly-records rule in FCA SYSC 9.1.1R; local OCR reads the handwritten fields.
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Limitations & cautions
Handwriting strains OCR, so check the account and amount fields after the pass. Never work on a slip that belongs to a live suspicion file: the original has to reach the nominated officer unaltered, and POCA 2002 s.333A makes a prejudicial disclosure a separate offence.
Frequently asked questions
Can the tool handle a handwritten deposit form?
Yes. Local OCR reads handwriting where the scan allows it. Always verify the account and amount fields on a low-quality image before you release the copy.
When does a counter deposit trigger due diligence?
MLR 2017 reg. 27 points at an occasional transaction of EUR 15,000 or more, at any suspicion of money laundering or terrorist financing, and at doubt about earlier identity evidence. anonym.plus does not make that judgement — it cleans the copy you share afterwards.
Is the slip uploaded for processing?
No. The app is fully offline, so the counter record stays on your machine.