Pass the CAMS — or get every dollar back. Guaranteed.

The full Fast Track Study System — every practice question, every flashcard deck, full-length mock exams, narrated audio, Miles the AI tutor, and the entire study guide, every chapter readable and highlightable. The cheat sheet — the highest-yield facts as a PDF — is in the study portal on every pass, with instant access to download it. Every pass opens all of it; Standard carries the Money-Back Guarantee and SurePass the SurePass Guarantee.

Because it is a second pass over the same material in a different voice, and ACAMS itself points you outward. Its own help centre, on the question of whether the official materials cover everything: “We are confident that a thorough understanding of the content of our study materials will lead to passing. However, test-takers should expect some differences between the exam and the study materials… We encourage all candidates to read additional materials, including primary sources.” ACAMS is also plain that its study guide is the spine everybody works from — “no matter how you choose to prepare, everyone studies from exactly the same study guide” — which is exactly what we are not trying to replace. What this adds is a 210-page guide written independently across the same four domains, narrated end to end, 606 questions with a reason given for every option, 480 scheduled flashcards and four full-length mocks on the real clock. Read it beside the package, not instead of it.

Standard and SurePass carry it. Score 85%+ on one full-length mock, sit the real exam, and if you don't pass we refund what you paid. On SurePass, clear two mocks with your readiness meter at "Getting close" or above and we also pay up to $299 toward your retake fee. A refund also comes with free access to keep preparing — 90 more days on Standard, another year on SurePass. Starter carries no refund — don't pass, upload your score report, and we add 30 more days of access, free. Every free period is counted from the earliest date your exam allows a retake. You file the claim in your study portal with your official score report.

ACAMS publishes a passing score of 75 with no published scale at all. That is the whole of it — one sentence in the candidate handbook and, across sixteen pages, no denominator, no “out of” and no scaling formula anywhere. So you will see prep sites turn 75 into a percentage; that is their arithmetic, not ACAMS's, and we are not going to print a percent sign ACAMS has never printed. The 85% our mocks are marked against is OURS, set from our own bank rather than from anything ACAMS publishes, and it is also the score that qualifies you for the guarantee. It is deliberately stricter than most readings of the real standard, which is the safe direction for a promise we have to honour.

Four scored full-length sittings, each a brand-new 120-question paper built to ACAMS's four domains in the shares ACAMS prints — 30% risks and methods, 20% global frameworks and governance, 30% building the compliance program, 20% tools and technologies — and timed to the real 3.5 hours. Practice questions and timed practice are unlimited and never use one. Worth knowing what you are comparing that to. ACAMS's own Exam Simulator carries 1,000+ questions and it is genuinely good — and it is inside the certification package, which means it stops. ACAMS's own FAQ: “once you have completed the CAMS exam, the study materials will no longer be available for you to access via the LMS.” Ours are still there on the day you start collecting recertification credits.

SurePass, for almost everyone: today it costs the same as Standard, it runs a full year, and it is the only pass that pays your retake fee if you don't pass (and adds another year free). Standard is a month of access with the Money-Back Guarantee — a refund plus 90 more days if you don't pass. Starter is one week of access with no refund — don't pass and you get 30 more days free.

ACAMS sells it as a package: US$2,095 for private-sector candidates and US$1,595 for public-sector candidates, covering the study guide, flashcards, the core and elective eLearning courses, the exam simulator and the exam itself. An active ACAMS membership is mandatory on top of that and is bought separately — in ACAMS's own words, “only ACAMS members can earn ACAMS certifications” — and membership is the one figure here we could not date recently: US$345 a year private sector and US$225 public when we last read ACAMS's membership page, with at least one third party reporting higher since. Read it on ACAMS's own page before you budget. A retake is not a discounted re-sit: the handbook says you pay for a new Authorization to Test, US$299 private sector and US$199 public sector, and then you wait — 30 days after a first attempt, 60 after a second, 90 after a third. That is what the SurePass Guarantee pays up to $299 toward your retake fee toward. Every figure in this answer is what we read in September 2026 and ACAMS's own handbook says prices are subject to change, so check them yourself.

Mostly, and here is the part that is not. Every one of the 606 questions is written by us from ACAMS's published outline — originally authored, never taken from or reconstructed out of real exam content, which matters more on this credential than on most: ACAMS has candidates represent that they have not received exam questions or answers from others, and sites trading in those can cost a candidate the designation. Each item has four options, one key and a reason given for every option, right and wrong, and each key was recomputed from the question itself before the explanation was read. Scenario items are the bulk of it, because that is what ACAMS says the exam measures — applying knowledge to life-like examples rather than reciting it. What we do differently, said before you find it: ACAMS describes the exam as multiple choice AND multiple selection, and ours are four-option single-best-answer throughout. A pick-two item is harder than a pick-one, so expect the real paper to bite in a way ours does not — which is part of why our own mock bar sits high rather than low.

Because of one line in ACAMS's own FAQ, and it surprises most candidates: “You may download the study guide, which is available in PDF format, to refer to after you have completed the CAMS Certification. Please note that once you have completed the CAMS exam, the study materials will no longer be available for you to access via the LMS.” You keep the PDF. The flashcards, the core and elective courses and the 1,000+-question exam simulator you paid four figures for go away at exactly the moment you become the person in the building who gets asked the questions. Meanwhile CAMS is recertified every three years, and letting it lapse past the deadline means buying the certification package and sitting the exam again. SurePass is the pass that stays open for all of that — a full year, and another year free if you don't pass — the full guide, searchable, the whole question bank and the narrated audio — and it is also the only pass that funds a retake.

Your account stays and your work stays with it — notes, highlights and flashcard history are all there if you come back. The paid features stop. You can upgrade at any time and pick up exactly where you left off, and an upgrade always credits what you already paid.

Yes. Change the date and the Game Plan rebuilds around the new one — it works backwards from your date, so a move forward compresses it and a move back spreads it out. Nothing is lost. Worth knowing that ACAMS gives you six months from the approval of your application to sit, and sells a paid extension if that window runs out, so the date is usually yours to move.

Yes to both. Add it to your home screen and it behaves like an app. Your due flashcards and a set of practice questions download automatically, and the whole study guide downloads too, narrated audio included — so a flight or an underground commute is still study time. Scored mocks and the tutor wait for a connection.

Yes, separately from the pass guarantee: 24 hours on Starter, 48 hours on Standard, or 72 hours on SurePass, measured from your purchase (or from your upgrade, if you upgraded) — no questions asked, as long as you haven't sat your exam yet. EEA and UK buyers also keep their 14-day statutory right. The SurePass Guarantee is the other promise — that one is about your exam result, not about changing your mind.

Because we honor them. Every guarantee is a real financial commitment we may genuinely pay out, so a limited number opens for this exam each day. The allocation resets at midnight in your own time zone, and the counter shows how many of today's are still open.