Die EU wird eine Obergrenze für Barzahlungen festlegen und verpflichtet, Käufer von Kryptowährungen und Luxusgütern zu überprüfen: Einzelheiten

Die EU wird die Finanzüberwachung verstärken, insbesondere bei Barzahlungen und dem Verkauf von Kryptowährungen. Erfahren Sie, was sich ändern wird und wie sie planen, Transaktionen zu verfolgen

Rechtsberatung für Ukrainer

HOLEN

The European Union has adopted new measures to combat money laundering and terrorist financing. In particular, cash payments in EU countries will be limited to EUR 10,000. At the same time, persons making cash payments in the amount of EUR 3,000 to EUR 10,000 will be subject to mandatory identification and verification.

On 18 January, the EU Council and the European Parliament announced the finalisation of an agreement aimed at protecting the EU financial system and citizens from illegal financial transactions. The new package of rules is an important part of the EU's revamped financial crime system.

Verification of buyers of cryptocurrencies and luxury goods

Under the new requirements, companies providing cryptocurrency services and sellers of luxury goods are required to conduct due diligence on their customers. These entities include:

- Cryptocurrency services providers (CASPs), which now have to identify customers for transactions of €1,000 or more.

- Traders in precious metals, jewellery, cars, yachts and art.

These companies are required to collect and verify information about their customers and report suspicious transactions to the relevant authorities.

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Extended control measures

The new agreement increases the requirements for financial institutions, real estate agencies, casinos and asset management services. They must apply comprehensive customer due diligence measures, especially in the case of cross-border transactions or work with large capital.

In addition, the EU Council and the European Parliament have provided for additional measures to:

- Control over transactions with autonomous crypto wallets.

- Enhanced due diligence of high-net-worth individuals.

Financial intelligence and monitoring

All EU countries have financial intelligence units (FIUs) responsible for collecting and analysing information related to money laundering and terrorist financing. Under the new rules, these units will have direct access to:

- Financial and administrative data.

- Tax information and vehicle registers.

- Customs data and information on frozen assets.

Financial intelligence units will be able to suspend or reject suspicious transactions for more detailed investigation. International cooperation between financial intelligence units of different EU countries will be strengthened.

Next steps

Next, the text of the agreement will be considered by representatives of EU member states in the Committee of Permanent Representatives and the European Parliament for final approval. Once approved, the document will be published in the Official Journal of the EU and will enter into force.

We remind you! Cryptocurrencies are becoming increasingly popular among international users. In most European countries, owners of virtual resources pay income tax, but this system is not unified. We told you all about taxation of transactions, risks and ways to avoid them.

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