When does the AMLR take effect, and are there transition periods?

The AMLR was published in the Official Journal of the EU in June 2024 and formally entered into force shortly thereafter. The requirements set forth therein must be implemented in all member states and by all obligated entities as of July 10, 2027. Certain new obligated sectors – in particular professional soccer clubs and player agents – will not be subject to selected EU-AMLR obligations until July 10, 2029, which gives them additional preparation time.

Which companies and sectors are covered by the EU-AMLR?

All so-called “obliged entities,” including credit and financial institutions, insurers, trustees, lawyers, tax advisors, auditors, and various other professional groups with an elevated risk of money laundering, must comply with the EU-AMLR. However, with the introduction of the EU-AMLR, the scope of obligated entities will be expanded to include other sectors that were previously only partially regulated, such as crypto service providers and luxury goods dealers.

What are the key changes introduced by the AMLR?

Key points include stricter and more harmonized requirements for customer due diligence, standardized rules for identifying beneficial owners, and more detailed requirements for governance, internal controls, and risk-based approaches. In addition, there are, among other things, EU-wide uniform thresholds, limits on cash payments, greater transparency regarding corporate ownership structures, and closer integration with the new EU anti-money laundering supervisory framework, the AMLA. These aspects already indicate that the supervision and enforcement of European anti-money laundering legislation will be significantly tightened.

How will the AMLR change Customer Due Diligence (CDD)?

For the first time, the EU-AMLR defines very specifically which data must be collected as part of identification procedures, when it must be collected, how long it remains valid, and how frequently it must be updated. CDD thus becomes an ongoing, data-driven process, and instead of one-time onboarding processes, event-driven CDD (for EU-wide transactions starting at 10,000 euros) must be conducted, meaning significantly more transactions fall under the new due diligence obligations.

EU-AMLR Compliant Identity Verification

Pluralistic ID-Ecosystem

WebID Identity Hub: Compliance Enabling GrowthWebID Identity Hub: Compliance Enabling Growth

The regulatory trilogy demands an uncompromising digital transformation. With the WebID Identity Hub, companies benefit from various eIDAS 2.0 certified identity verification solutions that will be compliant with future EU-AMLR requirements, thereby laying the foundation for trust, growth, and innovation.

EUDI Wallet Ready – Including FallbackEUDI Wallet Ready – Including Fallback

By acting as an intermediary and providing the EUDI Wallet Connector, WebID ensures that companies comply with the EUDI Wallet acceptance requirement, supplemented by secure alternative methods to maximize user acceptance.

Infos about EUDI Wallet Connector

VideoID – Agent-assisted Live Video IdentificationVideoID – Agent-assisted Live Video Identification

With VideoID, identification is carried out in accordance with eIDAS 2.0 and AML in conjunction with a QES in person-to-person live video calls with highly trained agents – for optimum security and the highest quality standards.

CorporateID – KYB obligations in accordance with AMLRCorporateID – KYB obligations in accordance with AMLR

Efficient, fast and without the need for a second check of the company file, obligated entities benefit with CorporateID from an AMLR-compliant company identification, including legal entities.

More about CorporateID

ePassID – Identity verification via NFC scan. Secure, fast and without PINePassID – Identity verification via NFC scan. Secure, fast and without PIN

ePassID reads the NFC chip in a valid ID document, verifies its digital signatures, and matches a live selfie to the photo stored on the chip – all without the need for an additional PIN.

Infos about ePassID

VisualID – Semi-Automated Identity Verification ProcessVisualID – Semi-Automated Identity Verification Process

The semi-automated identification process, which includes advanced hologram recognition and optional manual verification via agent review, is also eIDAS 2.0 certified and will therefore comply with AMLR in the future.

Learn more about VisualID

TrueID – Identification Based on Existing Personal DataTrueID – Identification Based on Existing Personal Data

TrueID verifies using pre-existing and consent-based digital identities. Simple authentication via SMS-OTP ensures extremely fast processing and smart customer experience.

Get to know TrueID

eID – Identity Verification Via ID CardeID – Identity Verification Via ID Card

Needless to say, the automated processing of ID data using eID is also an identification method permitted under eIDAS 2.0 and compliant with the AMLR, and it will become increasingly relevant in the future.

More about eID

SignID – Sign Contracts Digitally with Legal ValiditySignID – Sign Contracts Digitally with Legal Validity

SignID allows important contract documents to be signed digitally in a legally compliant, quick, and uncomplicated manner. Qualified Electronic Signature similar to handwritten signatures. Approved in accordance with eIDAS 2.0 and compliant with AMLR.

About SignID

Feature Overview

WebID Identity Hub: Compliance Enabling GrowthWebID Identity Hub: Compliance Enabling Growth

The regulatory trilogy demands an uncompromising digital transformation. With the WebID Identity Hub, companies benefit from various eIDAS 2.0-certified identity verification solutions that will be compliant with future EU-AMLR requirements, thereby laying the foundation for trust, growth, and innovation.

Get info about the features

	VideoID	eID	VisualID	TrueID	SignID	ePassID	EUDI Wallet Connector
Process	Live	Auto	Semi-Auto	Auto	Auto	Auto	Auto
ID verification	Video Call	NFC Chip	Photo/Video	Digital Identity	QES	NFC Chip	EUDI Wallet
Duration	4 Min.	1 Min.	1 Min.	8 Sec.	23 Sec.	1 Min.	15 Sec.
App available
Customizable
EU-AMLR					n/a
eIDAS 2.0
Scalability	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Availability	7am-10pm	24/7	24/7	24/7	24/7	24/7	24/7

Designing an AMLR-Compliant ID EcosystemDesigning an AMLR-Compliant ID Ecosystem

With the modular WebID Identity Hub, regulated companies succeed in making their KYC and KYB processes flexible and thus more resilient, thereby laying the foundation for innovation and growth in light of the EU-AMLR implementation.With the modular WebID Identity Hub, regulated companies succeed in making their KYC and KYB processes flexible and thus more resilient, thereby laying the foundation for innovation and growth in light of the EU-AMLR implementation.

Let’s talk about AMLR

Key Aspects of EU-AMLR

Creating Future-Proof EU-AMLR Compliance Through DiversityCreating Future-Proof EU-AMLR Compliance Through Diversity

With a diverse ID ecosystem, obligated companies achieve sustainable compliance, efficient processes, resilience, and satisfied users. The WebID Identity Hub combines all of this: EU-AMLR compliant, eIDAS 2.0 certified, EUDI Wallet Ready – including a fallback solution.

Leverage strategic advantages

Digitalization with EU-AMLR

Interoperable. Data-driven. Resilient.
The EU-AMLR requires integrated and AI-supported processes. With WebID’s pluralistic Identity Hub, companies remain flexible. For every target group, every risk profile, every regulatory development.

Stay Up to Date with the RTS Tracker Stay Up to Date with the RTS Tracker

The European Anti-Money Laundering Authority (AMLA) publishes new Regulatory Technical Standards (RTS), Implementing Technical Standards (ITS), and Guidelines (GL) at relatively short intervals. Each of them might have a direct impact on your compliance processes. To help you stay on top of things and avoid missing deadlines, this overview of the implementation status of all relevant legal acts can be a valuable resource, it’s concise, reliable, and continuously updated.The European Anti-Money Laundering Authority (AMLA) publishes new Regulatory Technical Standards (RTS), Implementing Technical Standards (ITS), and Guidelines (GL) at relatively short intervals. Each of them might have a direct impact on your compliance processes. To help you stay on top of things and avoid missing deadlines, this overview of the implementation status of all relevant legal acts can be a valuable resource, it’s concise, reliable, and continuously updated.

Go to the RTS Tracker

Implementing the Regulatory Trilogy

How Regulated Companies Can Achieve EU-AMLR ComplianceHow Regulated Companies Can Achieve EU-AMLR Compliance

Diversity of Methods

Offering various EU-AMLR compliant identity verification methods in parallel helps achieve a balance between conversion rates, security, and user-friendliness.

Wallet-Readiness

Ensuring EUDI Wallet readiness, including fallback solutions for identification, creates greater flexibility, especially with regards to future developments.

Trust Factor

Certified, human-based live video identification procedures, as a stable pillar of the KYC and KYB strategy, strengthen trust, especially for target groups that do not use a wallet.

Interoperability

View system interoperability as a competitive advantage, ensuring that relevant technologies can be integrated flexibly in the future.

Technology Independence

Avoid technological dependencies and maintain diversified identification processes, thereby consciously prioritizing freedom of choice.

Questions and Answers About EU-AMLR, eIDAS 2.0, and the EUDI WalletQuestions and Answers About EU-AMLR, eIDAS 2.0, and the EUDI Wallet

The introduction of the EU-AMLR marks a true paradigm shift toward digitalization and, above all, the harmonization of the entire European Economic Area.

Digital identity made simple

Find the industry that describes you ideallyFind the industry that describes you ideally

Banking

Tilo Hacke

Member of the Executive Board at Deutsche Kreditbank AG

“With our new feature, we are meeting market demand for a fully digital mortgage process while also realizing our own ambition for modern process automation. The digital contract signing optimizes the customer journey through efficiency and speed.”

FinTech

Michael Herschlein

CEO

"With WebID, we have found a scalable solution that precisely fulfils all expectations and the legal framework conditions of the financial sector."

KYC-Identitätsprüfung für Krypto-Unternehmen

Crypto

Additional recommendations

Regulatory Technical Standards (RTS), Implementing Technical Standards (ITS), and Guidelines (GL)Regulatory Technical Standards (RTS), Implementing Technical Standards (ITS), and Guidelines (GL)

AMLR

EU-AMLR: Regulatory Status Tracker

Recent Fraud Cases Underscore Need for EU-wide AML HarmonizationRecent Fraud Cases Underscore Need for EU-wide AML Harmonization

AMLR

The Laundromat – August 2026

AMLR, AMLA, RTS, ITS: What’s Coming in 2027?AMLR, AMLA, RTS, ITS: What’s Coming in 2027?

AMLR

The Laundromat – July 2026

All articles

Overview of the Requirements of the Regulatory TrilogyOverview of the Requirements of the Regulatory Trilogy

The mandatory implementation of the requirements set forth in the EU-AMLR and eIDAS 2.0, as well as the provision of the EUDI Wallet, are having an impact that affects all areas of business. Here is a general overview of the pillars of the EU-wide harmonized digital strategy.

EU-AMLR Compliant ID OrchestrationEU-AMLR Compliant ID Orchestration

WebID Identity Hub: Compliance Enabling GrowthWebID Identity Hub: Compliance Enabling Growth

EUDI Wallet Ready – Including FallbackEUDI Wallet Ready – Including Fallback

VideoID – Agent-assisted Live Video IdentificationVideoID – Agent-assisted Live Video Identification

CorporateID – KYB obligations in accordance with AMLRCorporateID – KYB obligations in accordance with AMLR

ePassID – Identity verification via NFC scan. Secure, fast and without PINePassID – Identity verification via NFC scan. Secure, fast and without PIN

VisualID – Semi-Automated Identity Verification ProcessVisualID – Semi-Automated Identity Verification Process

TrueID – Identification Based on Existing Personal DataTrueID – Identification Based on Existing Personal Data

eID – Identity Verification Via ID CardeID – Identity Verification Via ID Card

SignID – Sign Contracts Digitally with Legal ValiditySignID – Sign Contracts Digitally with Legal Validity

WebID Identity Hub: Compliance Enabling GrowthWebID Identity Hub: Compliance Enabling Growth

Designing an AMLR-Compliant ID EcosystemDesigning an AMLR-Compliant ID Ecosystem

Creating Future-Proof EU-AMLR Compliance Through DiversityCreating Future-Proof EU-AMLR Compliance Through Diversity

Digitalization with EU-AMLR

eIDAS 2.0-Certified Selection

EUDI-Wallet-Ready – Fallback Solutions Included