New Phase of Gambling Credit Ban in Sweden Begins May 2026
Sweden is set to implement more stringent regulations on the use of credit for gambling activities, with the expanded ban scheduled to come into force on 1 May 2026. These new rules will apply to all licensed gambling operators and payment methods, with the primary goal of reducing gambling-related debt and enhancing consumer protection within the market.
The Swedish Parliament (Riksdag) has approved amendments to the Gambling Act that substantially widen the scope of the existing credit ban. Under the revised legislation, licensed operators and their agents will be prohibited from processing any gambling transactions involving credit. The term “credit” now encompasses credit cards, bank loans, third-party financing arrangements, and any form of deferred payment. The prohibition also extends to credit agreements facilitated by external providers, effectively preventing players from accessing borrowed funds for gambling purposes.
These amendments build upon earlier regulations that already barred gambling operators from directly offering credit to players. The updated framework aims to close remaining loopholes by targeting indirect credit use through third-party payment intermediaries.
Operators are required to adopt measures that prevent credit-based gambling across both online and land-based venues. Online gambling platforms will need to block credit card payments and restrict any payment methods linked to credit facilities. Meanwhile, land-based gambling establishments must clearly inform their customers that gambling with credit is prohibited. Additionally, operators are mandated to review their payment systems and conduct risk assessments to ensure full compliance with the new legal provisions.
The Swedish gambling regulator, Spelinspektionen, will oversee the implementation process and may issue additional guidance to clarify compliance expectations. Operators should prepare their payment infrastructure to meet these requirements ahead of the May 2026 deadline.
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The new law also permits Spelinspektionen to grant limited exemptions for certain licensed operators involved in gambling for public benefit, such as charity lotteries. However, such exemptions will be granted sparingly and only with formal regulatory approval. Operators granted exemptions will still need to implement safeguards to prevent excessive credit exposure and to minimize gambling-related harm.
Overall, the expanded credit ban marks a significant step in Sweden’s effort to tighten gambling regulations. By restricting access to credit, authorities aim to mitigate financial risks associated with gambling and prevent the buildup of gambling-related debt. This legislative update underscores Sweden’s broader regulatory strategy, which emphasizes responsible gambling, financial protection, and increased oversight of licensed operators. Sweden Gambling Credit Ban
