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Regulation (EU) 2024/1624 will place gambling operators under one directly applicable anti-money laundering framework from 10 July 2027. National governments will still decide which gambling products they permit and license.
Good to Know
- EU law will define gambling services for the first time.
- Customer checks apply at stakes or winnings of €2,000.
- National licensing systems will remain separate.
One Definition Across 27 Markets
Earlier EU directives required gambling AML controls but allowed each country to write them into national law. The AMLR removes that transposition stage and introduces one definition across all 27 member states.
Article 2 covers lotteries, casinos, poker and betting offered in person or through online technology. Games involving both chance and skill also fall within the wording.
Operators classed as obliged entities must verify customers, review risk and understand the purpose of each business relationship. Due diligence applies when a player stakes or collects at least €2,000 through one transaction or connected transactions.
Countries may exempt lower-risk services, including some state lotteries, after completing a risk assessment. They may also add stricter national controls because the package does not create full maximum harmonisation.
AML Rules Converge While Licensing Stays National
The shared definition does not create an EU gambling licence. Each government keeps control over legal products, licence conditions and market access.
That division leaves wider disputes unresolved, including the European Commission case involving Malta Article 56A and foreign judgments against Malta-licensed operators.
Direct AMLA supervision is also unlikely for gambling firms. The authority is expected to focus on selected large financial institutions. However, its treatment of banks and payment providers serving gambling companies could affect account access and cross-border compliance.
Enforcement will become more consistent. AMLA published technical standards on 8 July 2026 that divide breaches into four categories, ranging from minor and isolated failures to structural problems or conduct linked to major criminal activity. European Commission adoption is still required before the standards become binding.
FAQ
When will the EU AMLR apply to gambling operators?
The regulation will apply directly from 10 July 2027.
What triggers customer due diligence?
Operators must complete checks when stakes or winnings reach €2,000 through one transaction or linked transactions.
Will the EU control gambling licensing?
No. Member states retain control over legal gambling products and licence awards.
Will AMLA directly supervise gambling companies?
Direct supervision appears unlikely, but AMLA oversight of major banks and payment providers may affect gambling clients.
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