KYC and AML

KYC Requirements for Online Gambling in Sweden

How Swedish-licensed operators register and identify players, check Spelpaus, and meet AML duties under Spelinspektionen supervision.

3 min readPart of kyc and aml

On this page
  1. How are Swedish players identified?
  2. What AML duties apply?
  3. What does a Swedish registration look like?
  4. What does Swedish enforcement show?
  5. How does Sweden compare?
  6. Worked example: Swedish registration
  7. What mistakes do operators commonly make?
  8. Checklist
  9. Frequently asked questions
  10. Sources
  11. More guides

Swedish-licensed operators must register and identify players before they gamble, which in practice means BankID or another Swedish e-identification. They must check Spelpaus, the national self-exclusion register, and apply AML due diligence under Spelinspektionen supervision. Swedish law also bans gambling on credit and limits bonuses to the first occasion a player plays.

Key takeaways

  • Registration and identification before gambling under the Gambling Act (2018:1138) [1].
  • Spelpaus must be respected; registrations run for 10 days to “until further notice” (minimum 12 months) [2].
  • Spelinspektionen supervises AML and has issued warnings and sanction fees for weak AML work [3].
  • No credit for stakes; bonus only at the first opportunity to play (amended from 1 January 2026) [4].
18minimum age
BankIDstandard e-ID
12 monthsminimum indefinite Spelpaus

How are Swedish players identified?

Players register with their personal identity number and confirm identity using an e-identification such as Mobilt BankID, BankID or Freja eID+. Spelpaus registration uses the same methods [2]. Because identity is confirmed at registration, identity holds later are rare.

What AML duties apply?

Licensees apply customer due diligence, risk assessment and monitoring under the Swedish money laundering act, with Spelinspektionen’s regulations (SIFS) setting detail. In 2026 the regulator amended its AML regulations (SIFS 2026:2) to bring land-based commercial casino games fully within scope [5]. Decisions against online licensees, such as the May 2025 warning and sanction fee to Betsson Nordic, are published [3].

What does a Swedish registration look like?

  1. Identify with BankIDMost operators use BankID to identify players.
  2. Check SpelpausOperators must check the national self-exclusion register [2].
  3. Set limitsPlayers must set deposit limits before playing.
  4. Assess AML riskCustomer due diligence based on risk.

What does Swedish enforcement show?

Spelinspektionen decisions such as the Betsson Nordic warning [3] show the regulator checks whether risk assessments are followed in practice. KYC evidence and follow-up records matter as much as policy.

How does Sweden compare?

Sweden compared
Topic Sweden Netherlands Germany Source
Self-exclusion register Spelpaus Cruks OASIS [2] [6]
Credit Prohibited Restricted by duty of care Own-name accounts [4] [7]
Bonuses First occasion only Cabinet plans ban (2026 proposal) Restricted [4] [8]

Worked example: Swedish registration

  1. Player chooses BankID login.
  2. Identity and age confirmed by BankID.
  3. Spelpaus check: not registered.
  4. Mandatory limits set; account open.

What mistakes do operators commonly make?

Treating cashback as non-bonus

Spelinspektionen takes a broad view of bonuses.

Marketing to Spelpaus registrants

Prohibited.

Weak AML documentation

A focus of Swedish sanctions [3].

Checklist

  • E-ID identification before play.
  • Spelpaus check.
  • AML risk assessment and monitoring.
  • No credit.
  • Bonus only on first occasion.
  • Spelpaus checked at registration and login.
  • Deposit limit set before play.

Frequently asked questions

How do Swedish casinos verify me?

Usually with BankID at registration.

What is Spelpaus?

The national self-exclusion register.

Can I end Spelpaus early?

No.

Can I gamble on credit in Sweden?

No.

How many bonuses can I get?

Only at the first opportunity to play with a licensee.

Who regulates gambling in Sweden?

Spelinspektionen.

Do Swedish operators check AML?

Yes, under the money laundering act and Spelinspektionen rules.

What is the minimum age?

18.

Do I have to set a deposit limit in Sweden?

Yes, Swedish players set deposit limits before playing.

What is Spelpaus?

The national self-exclusion register.

Sources

  1. Spelinspektionen (English)
  2. Spelpaus.se summary
  3. Spelinspektionen: Betsson Nordic decision, May 2025
  4. SFS 2025:767 amending the Gambling Act
  5. Spelinspektionen: SIFS 2026:2 (PDF)
  6. Gambling Insider: KSA updated self-exclusion scheme
  7. Government of the Netherlands: online gambling protections
  8. DutchNews: cabinet plans ban on online gambling ads and bonuses (June 2026)

KYC rules by market

When identity and age must be verified in eight regulated markets, and which registers apply.

Casino withdrawals in Sweden

BankID-verified accounts, Spelinspektionen AML rules, Spelpaus and payout practice.

Sweden

Payments, KYC, responsible gambling and marketing rules in Sweden.

Self-exclusion schemes

GAMSTOP, Spelpaus, OASIS, Cruks, BetGuard, Brazil’s platform and US state lists compared.

Bonus and promotion compliance by market

Bonus and inducement rules in the UK, Ontario, Brazil, Netherlands, Sweden, Germany and US states.

Further reading elsewhere