Key data
| Regulation | Royal Decree 813/2026, of October 7 |
|---|---|
| Publication | October 8, 2026 |
| Entry into force | October 8, 2026 |
| Affected parties | Financial entities, notaries, listed companies, gaming operators and public administrations |
| Category | Business Regulation |
| Year | 2026 |
| Modified regulations | RD 304/2014 (anti-money laundering regulation) and other royal decrees in the financial sector |
| European framework | EU Directive 2024/1640 and FATF assessment 2026 |
Financial entities, notaries, listed companies and gaming operators have new obligations as of October 8, 2026. The Royal Decree 813/2026 modifies several royal decrees in the financial sector with three axes of direct impact: anti-money laundering reinforcement, simplification in capital markets and operational improvements. The regulation responds to the FATF 2026 assessment and the transposition of EU Directive 2024/1640.
What does this regulation establish?
Royal Decree 813/2026 acts on three differentiated blocks. Below are all the specific changes:
Block 1: Anti-money laundering reinforcement (modifies RD 304/2014)
| Area | Change introduced |
|---|---|
| Notarial obligations | Controls are strengthened in operations involving a notary |
| Crypto ATMs | Mandatory user identification is required at crypto ATMs |
| Digital ID | Its use is regulated as a valid document in non-face-to-face operations |
| Non-face-to-face operations | Identity verification controls are tightened |
Block 2: Simplification in capital markets
| Area | Change introduced |
|---|---|
| OPA notification threshold | Raised to 3% (previously lower) |
| Treasury share obligations | Adjusted to reduce administrative burden |
| Market Abuse Regulation | Duplications with current European regulations are eliminated |
Block 3: Operational improvements
- The use of bank cards as a payment method in public administrations is permitted.
- Contributions to the Deposit Guarantee Fund are made more flexible.
- The simultaneous listing of Spanish companies on foreign markets is facilitated.
Economic and operational impact
The impact varies significantly depending on the type of affected entity:
For financial entities and crypto ATM operators: the requirement for identification at crypto ATMs implies investment in identity verification systems (KYC) adapted to this channel. Entities that were already operating crypto ATMs without this control must update their processes urgently to avoid non-compliance.
For notaries: the strengthening of notarial obligations within the anti-money laundering framework means reviewing due diligence protocols in operations where they intervene. Adaptation to the FATF 2026 assessment raises the standard of required documentation.
For listed companies: raising the OPA notification threshold to 3% reduces administrative burden in share acquisition operations. The elimination of duplications with the Market Abuse Regulation simplifies regulatory compliance. Additionally, the new possibility of simultaneous listing on foreign markets opens opportunities for international financing.
For public administrations: accepting bank cards as a payment method eliminates operational friction and can reduce collection management costs.
Who does it affect?
- Financial entities: banks, savings banks and credit institutions with strengthened anti-money laundering obligations and new capital markets rules.
- Notaries: direct strengthening of their due diligence obligations within the modified RD 304/2014 framework.
- Listed companies: new 3% threshold in OPAs, treasury share adjustment and possibility of simultaneous listing on foreign markets.
- Crypto ATM operators: new obligation to identify users in each operation.
- Gaming operators: affected by the general strengthening of the anti-money laundering framework.
- Public administrations: can begin accepting bank cards as a payment method.
- Deposit Guarantee Fund: flexibility in the contribution regime.
Practical example
Case: listed company exceeding 3% in an OPA
Before Royal Decree 813/2026, a company acquiring shares in another listed company had to notify the regulator upon reaching a threshold below 3%. With the new regulation, that threshold is raised to 3%. This means that a company acquiring, for example, 2.5% of the capital of a listed company is no longer required to notify that position, reducing administrative burden and compliance costs associated with that operation.
Case: crypto ATM operator
An operator that until now allowed transactions at crypto ATMs without user identification must, as of October 8, 2026, implement an identity verification process (KYC) in each operation. Failure to do so constitutes a direct breach of the modified RD 304/2014, with the corresponding responsibilities in anti-money laundering matters.
What should companies do now?
- Review internal anti-money laundering procedures to verify that they comply with the modified RD 304/2014, especially in non-face-to-face operations and use of digital ID.
- If you operate crypto ATMs, urgently implement a user identification system (KYC) in each transaction. The regulation is already in force.
- If you are a notary, update due diligence protocols in accordance with the new FATF 2026 standards and EU Directive 2024/1640.
- If your company is listed, review the OPA notification threshold (now 3%) and update treasury share procedures to eliminate duplications with the Market Abuse Regulation.
- If your company wants to list on foreign markets, explore the new simultaneous listing possibilities enabled by this regulation.
- If you are a public administration, consider implementing bank cards as a payment method to simplify collection management.
Frequently asked questions
When does Royal Decree 813/2026 come into force and what is the deadline for adaptation?
Royal Decree 813/2026 came into force on the same day of its publication in the Official Gazette: October 8, 2026. No general transition period is provided in the available data, so obligations are enforceable from that date. Affected entities must review their procedures immediately.
What exactly changes in the OPA notification threshold?
Royal Decree 813/2026 raises the OPA notification threshold to 3%. This means that acquisitions of shares in listed companies below that percentage no longer generate an obligation to notify the regulator, reducing administrative burden for companies carrying out this type of operation.
What must crypto ATM operators do to comply with the new regulation?
As of October 8, 2026, crypto ATM operators are required to identify users in each operation. This involves implementing an identity verification process (KYC) at the point of use of the crypto ATM. Non-compliance constitutes a direct breach of the modified RD 304/2014 on money laundering prevention.
How does Royal Decree 813/2026 affect notaries?
The decree strengthens notarial obligations within the anti-money laundering regulation framework (modified RD 304/2014). Notaries must review and update their due diligence protocols in the operations where they intervene, adapting them to the standards of the FATF 2026 assessment and EU Directive 2024/1640.
What is digital ID and how does this regulation regulate it?
Royal Decree 813/2026 regulates the use of digital ID as a valid document for verifying identity in non-face-to-face operations. This allows financial entities and other obligated parties to accept digital ID in remote identification processes, while tightening overall controls for this type of operation within the anti-money laundering framework.
Official source
Consult complete regulation in official source
Disclaimer: This article is for informational purposes only and does not constitute legal advice. For specific decisions, consult a qualified professional. Source: https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-20915
