On Oct. 8, 2026, ESP GVT published Royal Decree 813/2026 of Oct. 7, 2026 amending various royal decrees in financial sector field to adapt them to the current framework.
The reform also falls within framework of Spain's international obligations under the UN Convention against Money Laundering and the Financing of Terrorism.
In particular, it takes into account UN Convention against Transnational Organized Crime and its Protocols, adopted in New York on Nov. 15, 2000, Arts 6 and 7 of which address the criminalization of money laundering and measures to combat it.
Similarly, it considers provisions of UN Convention against Corruption, adopted in New York on Oct. 31, 2003, especially Arts 14 and 23, which establish obligations regarding prevention of money laundering and the criminalization of related conduct.
Partially transposes Dir 2024/1640 in matters that can be incorporated immediately via regulation, allowing Spanish system for prevention of laundering to be kept up to date and solving certain deficiencies observed during the past years.
Introduces several specific amendments to regulations in financial sector to align them with recent updates to EU's regulatory framework, improve their internal consistency, and reduce unnecessary or redundant administrative burdens.
Include adjustments from bank resolution regs, supervision for investment firms, CRD.
Improvements also incorporated to simplify, streamline certain reporting obligations under issuer transparency regulations and deposit guarantee fund regime.
Re basic payment accounts, certain non-profit entities within National Reception System or Third Sector are allowed to provide information on risk of financial exclusion in exceptional circumstances, with prior authorization from competent social services authorities to facilitate accreditation of economic vulnerability to access free accounts.
Regs governing financial instruments also amended to broaden access for companies listed in Spain to other investors and markets e.g. by facilitating simultaneous listing in Spain and in other markets outside the EU and keeping the main registration in Spain.
Means of payment available to public administrations made more flexible, expanded, and electronic means of payment such as cards are enabled.
Some amended decrees: RD 640/1987, RD 725/1989, RD 2606/1996, RD 1362/2007, RD 304/2014, RD 255/2025, RD 84/2015 among various other.
The decree comes into force 20 days after official publication i.e. Oct. 28, 2026 and all provisions of equal or lower rank that conflict with it are deemed repealed.
On Oct. 6, ESP GVT adopted decree amending various royal decrees.
ESP GVT Council of Ministers approved a royal decree (RD) that modifies various RDs in the financial sector field to adapt them to the current regulatory framework.
Overview
The decree updates various financial sector regulations to align them with EU rules and FATF standards, addresses new risks and technological advancements, reduces administrative burdens while improving competitiveness of the national capital market.
The regulation strengthens the prevention of money laundering and terrorist financing with measures such as identification of those operating at cryptocurrency ATMs, use of digital ID cards and greater security for remote transactions.
It also adapts obligations of foundations and associations to their risk level and improves the information available to detect suspicious transactions.
Simplifies obligations in stock markets, facilitates access for Spanish companies to international markets and access to free basic payment accounts for vulnerable people.
The new legislation will be officially published shortly.
Oct. 2026 Publication
On Oct. 8, 2026, ESP GVT published Royal Decree 813/2026 of Oct. 7, 2026 amending various royal decrees in financial sector field to adapt them to the current framework.
The reform also falls within framework of Spain's international obligations under the UN Convention against Money Laundering and the Financing of Terrorism.
In particular, it takes into account UN Convention against Transnational Organized Crime and its Protocols, adopted in New York on Nov. 15, 2000, Arts 6 and 7 of which address the criminalization of money laundering and measures to combat it.
Similarly, it considers provisions of UN Convention against Corruption, adopted in New York on Oct. 31, 2003, especially Arts 14 and 23, which establish obligations regarding prevention of money laundering and the criminalization of related conduct.
Partially transposes Dir 2024/1640 in matters that can be incorporated immediately via regulation, allowing Spanish system for prevention of laundering to be kept up to date and solving certain deficiencies observed during the past years.
Introduces several specific amendments to regulations in financial sector to align them with recent updates to EU's regulatory framework, improve their internal consistency, and reduce unnecessary or redundant administrative burdens.
Include adjustments from bank resolution regs, supervision for investment firms, CRD.
Improvements also incorporated to simplify, streamline certain reporting obligations under issuer transparency regulations and deposit guarantee fund regime.
Re basic payment accounts, certain non-profit entities within National Reception System or Third Sector are allowed to provide information on risk of financial exclusion in exceptional circumstances, with prior authorization from competent social services authorities to facilitate accreditation of economic vulnerability to access free accounts.
Regs governing financial instruments also amended to broaden access for companies listed in Spain to other investors and markets e.g. by facilitating simultaneous listing in Spain and in other markets outside the EU and keeping the main registration in Spain.
Means of payment available to public administrations made more flexible, expanded, and electronic means of payment such as cards are enabled.
Some amended decrees: RD 640/1987, RD 725/1989, RD 2606/1996, RD 1362/2007, RD 304/2014, RD 255/2025, RD 84/2015 among various other.
The decree comes into force 20 days after official publication i.e. Oct. 28, 2026 and all provisions of equal or lower rank that conflict with it are deemed repealed.
Regulators
ESP GVT
Entity Types
B/D; Bank; CNSM; Corp; HF; IA; Inv Co; MSB
Reference
OG BOE-A-2026-20915, 10/8/2026; RD 813/2026, 10/7/2026; PR 10/6/2026; Dir 2024/1640
