AML and KYC compliance in Luxembourg, anti-money-laundering and beneficial owners.
Financial Services Luxembourg provides operational AML/KYC compliance support: KYC collection and verification, customer due diligence, beneficial owners register (RBE) filing and internal procedures. Regulated legal opinions are coordinated with your lawyer. FSL handles reporting and operational compliance; regulated legal advice and authorisations (CSSF) are coordinated with our partner lawyers.
Reply within 24 h · NDA on request before any confidential document
AML and KYC compliance in Luxembourg is the set of obligations under the 2004 anti-money-laundering law requiring each entity in scope to identify its customers, assess its risks, document its due diligence and report suspicions. It also covers filing beneficial owners in the RBE. The EU package of AMLR, AMLD6 and AMLA tightens this framework.
Amended law of 12 November 2004 on combating money laundering; beneficial owners register (law of 13 January 2019). EU AML package: AMLR Regulation (EU) 2024/1624, generally applicable from 10 July 2027, with Article 52 setting an ownership threshold of at least 25% for corporate entities alongside the assessment of control; AMLD6 Directive (EU) 2024/1640 on national prevention and supervision mechanisms; AMLA authority (Regulation (EU) 2024/1620, Frankfurt), operational since 1 July 2025, direct supervision of selected entities from 2028.
Key takeaway
- General application of the AMLR Regulation (EU) 2024/1624 begins on 10 July 2027.
- In Luxembourg, the current ownership indicator is strictly more than 25%. Article 52 of the AMLR provides for ownership of at least 25% from 10 July 2027. Control through other means must also be assessed.
- The EU authority AMLA (Frankfurt) will directly supervise selected entities from 2028.
Who this is for
- Companies, funds and holdings subject to AML obligations
- Family offices and wealth structures
- Entities preparing for the AML package entry into force
What we do
- KYC collection and verification, customer due diligence
- Beneficial owners register (RBE) filing and updates
- Internal procedures, risk assessment and documentation
- Coordination of legal opinions and sensitive reporting
Ready to structure your aml / kyc compliance?
First reply within 24 working hours, from a named adviser. Firm quote within 48 working hours once the scope is defined. NDA on request before any confidential document.
Official sources and verification
This page is published under the editorial responsibility of Mickaël LOC for Financial Services Luxembourg (business permit 10077274). The rules cited should be checked against competent authorities and the circumstances of the case.
Frequently asked questions
Are you responsible for my entity's compliance?
Regulatory responsibility remains with the entity and its management. Financial Services Luxembourg provides operational support (KYC, RBE, procedures) and coordinates legal opinions with your lawyer.
What does the EU AML package change?
From 10 July 2027, Article 52 of AMLR Regulation (EU) 2024/1624 provides for a general ownership threshold of at least 25% for corporate entities, compared with the current indicator of strictly more than 25% in Luxembourg. Control through other means must also be assessed. AMLD6 Directive (EU) 2024/1640 addresses national mechanisms, registers and supervision. AMLA, in Frankfurt, will directly supervise selected entities from 2028. We prepare your compliance.
Do you handle the beneficial owners register?
Yes. We perform the initial filing and updates with the RBE, and maintain the related documentation.
Request a quote: AML / KYC compliance
First reply within 24 working hours, from a named adviser. NDA on request before any confidential document.