Spain Updates AML Framework with Mandatory Payment Matching for iGaming Accounts

Spanish authorities have sanctioned tighter rules on gambling transaction monitoring and authorisation. The changes centre on verifying that payment methods align with registered gambling accounts, forming part of updated anti-money laundering safeguards.

The measures arrive via Royal Decree 813/2026, published in the Official State Gazette on 10 October. They amend supporting regulations under Law 10/2010, Spain’s primary statute on preventing money laundering and terrorist financing. As reported by SBC News, the core command requires operators to confirm payment ownership matches the gambling account holder for deposits and withdrawals alike.

Strict Verification and Transition Rules

Article 21 of the decree obliges operators to establish that the payment-method holder is the owner of the gambling account, with records kept of initial transaction verifications. The requirement covers all online channels: electronic, computer, app-based and interactive. Existing customers gain a six-month transition window. Deposits and gameplay may continue uninterrupted, yet withdrawals of winnings remain blocked until verification completes.

Once the transition ends, operators must terminate contracts with any customer whose payment ownership stays unverified. Records of activations and terminations go to the Directorate General for Gambling Regulation (DGOJ). Outstanding balances, including withheld winnings, return to players subject to applicable anti-money laundering obligations. Operators receive the same six-month period to update payment checks, customer identification and account systems.

Timelines, Identification Standards and Forward Compliance Pressure

The decree takes effect 28 October 2026, though certain remote identification rules apply after 18 months. Secure verification procedures must satisfy minimum standards set by Sepblac, Spain’s financial intelligence unit. The text expressly recognises Spain’s National Identity Document (DNI) in physical and digital formats and requires written policies on international financial sanctions.

These payment controls land alongside the DGOJ’s ongoing safer gambling work, including its common algorithm for spotting risky behaviour and a public consultation opened 13 October on frameworks for younger and vulnerable players. Spanish licence holders now confront parallel implementation demands that test technical readiness and customer communication within tight windows. Early system alignment will determine whether operators avoid forced terminations and maintain uninterrupted service after the transition closes.

Reporting: SBC News

Generated by SCCG’s automated editorial system from published source reporting. SCCG Management holds editorial responsibility.