iGamingExpert

South Africa and Nigeria make major AML strides

Amid ongoing debates over tax policy and regulatory enforcement across Africa’s gambling markets, Nigeria and South Africa reinforced the credibility and stability of their regulated sectors this week.

With regulatory disruptions rife across Africa, the developments in two of the continent’s most significant markets have progressed the legitimacy of gambling across Africa.

South Africa was removed from the AML grey list after originally being added in February of 2023.

In its official announcement, the FATF stated that South Africa strengthened the effectiveness of its AML/CFT regime to meet the commitments in its action plan.

This included a sustained increase in outbound mutual legal assistance (MLA) requests facilitating ML/TF investigations and asset confiscations aligned with its risk profile.

As well as this, the country took steps to bolster risk-based supervision of DNFBPs (designated non-financial business & professions).

Now that South Africa has been removed from the greylist, the country will have to adhere to stricter stipulations, however. Notably, the sanctions which could be implemented as a result of non-compliance with FATF frameworks have been heightened.

Amongst other issues, there was also a sustained increase in investigations and prosecutions of serious and complex money-laundering and the full range of TF activities aligned with its risk profile.

Nigeria spent the same length of time on the grey list, the country was lauded for demonstrating sustained increases in money laundering investigations and prosecutions, proactive detection of currency declaration violations, and maintained comprehensive data on frozen/seized/confiscated assets.

The South Africa gambling framework is potentially on the cusp of a period of transformation as the country seeks to find balance between enabling growth and ensuring player protection. This has included significant lobbying in the country for a tightening of restrictions on gambling adverts.

Nigeria has also taken steps to significantly tighten the frameworks around its crypto sector tackling the ability of the sector to engage with users in the country.

Discussions over the gambling framework in Nigeria remain prevalent, specifically concerning the impact of Nigeria’s Central Gaming Bill.

Many reports in the country suggest there are fears around the bill diluting the control of the lottery from the state, leading to a petition being put forward pursuing the rejection of the bill.

Pursuit of the rejection of the bill largely comes from the Federation of States Gaming Regulators of Nigeria (FSGRN), underpinning major concerns over the way the establishment of a Central Commission would have on fiscal federalism in Nigeria.

A petition was released aiming to ensure that a central regulator can’t provide state licenses to operators, ensuring that this remains the responsibility of the state.

Nonetheless, the government has continually put forward the case that because iGaming crosses borders this should be the role of a universal operators.

The protection of state revenue is also integral to the bill, with fears it would be lost in the result of the formation of a nationwide commission.

The petition is calling for the nationwide governmental regulation to only oversee the FCT, which is where Abuja is located.

Rallying against the bill, the case has been put forward that it is unconstitutional and simply doesn’t align with the country’s federal system.

However, no matter how fervent and vocal opposition to the bill is, it may well be futile as the Bill has already progressed beyond its third reading in the National Assembly.

There is still a level convolution to its progress though, which will provide state regulators with optimism that it can be halted with enough friction.

Proponents of the bill have argued that it can eradicate growth of illicit operations and boost efficiency within the licensing process.

Mozambique and Burkina Faso were also removed from the list as a result of the steps they have taken to clean their respective frameworks.

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Gary Neville’s Sky Bet feature puts ASA’s new guidance to the test

A Sky Bet ad featuring Gary Neville has placed the effectiveness of the Advertising Standards Authority’s (ASA) new guidance under the microscope.

The ASA has upheld its challenge that a promoted post on X by Sky Bet featuring an embedded video clip from the Overlap football podcast was likely to be of strong appeal to those under 18 years of age because of the presence of Neville. The decision was made in spite of Neville having retired from the game in 2011.

As a result, the ASA found that Bonne Terre Ltd, which trades as Sky Bet, had breached the advertising rules which all UK-licensed operators must follow.

Weighing up the risks

In reaching its decision, the ASA used new guidance released by the Committee of Advertising Practice (CAP) and the Broadcast Committee of Advertising Practice (BCAP), which considers that an influencer followed by over 100,000 social media accounts registered to people under-18 is “indicative of strong appeal”.

According to the ASA, when the ad was posted in February 2023, 5% of Neville’s 1.6 million Instagram followers were registered as under 18, which amounts to 80,000. Additionally, 1% of his 5.5 million X followers were registered as under 18, bringing his under-18 following on the two platforms to approximately 135,000.

The ASA could not garner the same data for under-18 followers on TikTok and Facebook, but noted that the former Manchester United right back had 963,400 and 42,395 followers on the platforms, respectively.

Although the new guidance has set the follower threshold at 100,000, it also clarifies that the ASA can deem a personality to be of strong appeal if they fall under that figure, or not of strong appeal even if they have more than 100,000 under-18 followers.

Given this case-by-case basis approach to regulating marketing, Sky Bet argued that Neville did not hold strong appeal to under-18s.

In the clip posted on X, Neville is seen participating in a fan debate on the Overlap podcast discussing which team would win the Premier League in that year. During the clip, Sky Bet’s logo appeared intermittently and at the end stated “brought to you by Sky Bet”, and the BeGambleAware logo appeared.

According to the ruling, Sky Bet stated that 1.2% of the Overlap’s audience was aged 13-17 years, and that figure dropped to 0.5% for the advertised episode.

The operator also noted that Neville ended his playing career in 2011 and fell into the category of “long retired”, which on its own would place the eight-time Premier League winner as low-risk of appealing to under-18s according to the CAP code.

Alongside the Overlap, Neville also works as a TV pundit on Premier League broadcasts and for England’s international matches. The ASA stated that, in this context only, this would place him in the “moderate risk” category of the guidance.

However, the ASA’s decision hinged on the demographics of his social media followers.

The ruling stated: “We considered that over 135,000 social media follower accounts registered to people under-18 was a significant number in absolute terms, with the true total figure potentially higher due to the absence of data for the other social media platforms.

“Although we accepted that his career as a football pundit and his media profile in isolation would have placed him within the ‘moderate risk’ category, we considered that a large number of social media follower accounts that were registered to under-18s and followed Neville indicated that the inclusion of Neville in an ad would make it of strong appeal to under-18s.”

Setting a precedent?

Although the ASA recognised that X had protection policies for under-18 users in 2023 and the ad was set to target over-25s with a stated interest in sport, it also noted that the platform relies on users self-verifying their age upon sign-up.

Like in a previous ruling against Midnite, it cited research from Ofcom that found 32% of eight to 17-year-olds with at least one social media account had a registered user age of 18 or above.

As a result, the ASA considered it likely that a significant number of children who had not used their real date of birth when signing up to X could see and be promoted to content from verified gambling accounts.

The ASA also addressed the issue of duplicate social media followers. While accepting that it is likely some individuals would follow the same person across different social media platforms, the ASA considered follower counts “a strong indication of that personality’s appeal and level of popularity”.

“In the absence of data indicating that duplication significantly reduced the follower count for a personality, we considered that advertisers should err on the side of assuming that all were individual followers,” the ruling continued.

Sky Bet were warned that the ad must not appear in its current form on social media again, and told not to include a person or character with a strong appeal to those under-18 in future advertising.

ASA accelerating action

Sky Bet was not the only operator to fall foul of the ASA in its latest set of rulings.

Eaton Gate Gaming Ltd, which trades as Kwiff, was similarly reprimanded for a post on Kwiff’s X account which featured Sir Lewis Hamilton.

The post in question featured text stating “A potentially huge weekend for Sir Lewis Hamilton ahead of the British Grand Prix at Silverstone [race car emoji] #F1”. The post contained an image of Sir Lewis Hamilton and a banner across the bottom that featured an 18+ symbol and the BeGambleAware.org logo.

Kwiff argued that the post followed CAP guidance, which stated that “motorsports and golf are more adult-oriented and unlikely to be of inherent ‘strong appeal”, and cited a 2022 report that found the median age of F1 fans was 32 and the majority were 25-44.

Kwiff also highlighted that its X page had 11,700 followers, and 0% of those were aged 13-17.

Given that the post was published the day before the 2024 British Grand Prix, which Hamilton won, the ASA ruled that the purpose of the communication was to promote Kwiff’s brand and gambling services, therefore, it fell under the scope of the CAP Code.

The ASA assessed that Hamilton’s “exceptional success” in his sport, social media presence and long-standing career place him as a household name in the UK.

CAP guidance states that sportspeople involved in clearly adult-oriented sports who are ‘notable stars’ with significant social media and general profiles which made them well known to under-18s were likely to be of ‘moderate risk’ of strong appeal to under-18s.

In the case of Hamilton, 4% of his 37.5 million followers on Instagram, approximately 1.5 million, were under 18 years of age.

This alone places him way above the 100,000 threshold, even before numbers from any other platforms are considered, and the ASA deemed him likely to have a strong appeal to under-18s.

“We acknowledged that Sir Lewis Hamilton was primarily famous for his association with an adult-oriented sport, but considered he was very well known to a general UK audience, including to children and young people. We considered, based on his public profile, commercial partnerships, media appearances and UK under-18 social media following, that he had strong appeal to under-18s,” the ruling concluded.

Betway Ltd was also reprimanded for airing a pre-roll YouTube advert that featured football fans wearing clothes and scarves with the Chelsea FC logo.

The ASA upheld a complaint that argued featuring the Chelsea logo would likely be of strong appeal to under-18s, and therefore breached the advertising code.

Under the CAP Code, football is deemed an activity of inherent strong appeal to under-18s.

Although the ASA noted that using the club logo in a standalone context would have been acceptable, showing it on fans’ scarves, lanyards and hats in the context of a stadium experience was likely to be of strong appeal to children and young people who supported Chelsea or followed football more widely.

Like with X, the ASA also cited YouTube’s age verification policy, which relies on users to self-report their age upon sign-up.

“Because YouTube was a media environment where users self-verified on customer sign-up and did not use robust age-verification, we considered that Betway had not excluded under-18s from the audience with the highest level of accuracy required for gambling ads where their content was likely to appeal strongly to under-18s,” the ruling explained.

Betway had argued that a brand lift survey showed that the ad campaign had resulted in an 8% increase in brand awareness, all of which was from YouTube users aged 55 and over.

The operator also stated that it had not included any active football play, wide shots of Chelsea’s Stamford Bridge stadium or extended views of the pitch to reduce the ad’s connection with football.

Both Kwiff and Betway were informed that their respective ads must not appear in their current form and warned against including people or characters who had a strong appeal to those under 18 years of age.

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Zambia, Kenya and a tale of fluctuating excise duties 

The fluctuation of excise duty tax on the gambling industry has been a key topic across Africa in the past year.

In Zambia, there has been continued rallying against the touted introduction of a 10% excise duty tax on all betting stakes.

It prompted an application from BetPawa and Betway to halt the tax, however, this was dismissed by the country’s Constitutional Court.

At the heart of the appeal against the introduction of the tax were claims that it breached section 7 of the customs Excise (Amendment) Act No. 11 of 2025. Objections included an alleged lack of transparency, inadequate public consultation, and severe economic impact.

Furthermore, they also claimed that it was excessive, ambiguous, unimplementable and financially unsustainable, warning that it could have key impacts on their ability to operate in the country in the future.

Nonetheless, the Zambia Revenue Authority (ZRA) underpinned that the excise duty stems from consumption by bettors and not operators, affirming that it had engaged with stakeholders on the decision.

Following this, the operators looked to implement an interim injunction to stop enforcement of the excise duty pending the full hearing of their constitutional petition.

ZRA countered that the tax was lawful and implementable in its current form. The organisation emphasised that any interference at this stage would be an encroachment on its statutory duty.

Seemingly cementing a future for excise duty in Zambia, the Court decided that the petitioners failed to demonstrate a sufficiently serious constitutional issue to justify suspending the law at this stage.

Of note in Zambia is the 10% figure, which is intriguing as it sits between Kenya’s previous 15% threshold and the figure it was recently lowered to, 5%.

When lowering the levels of tax, Kenya also undertook a subtle but significant change in the way it takes excise duty, instead of taxing when a bet is placed, like Zambia, they opted to take it at the point in which funds are transferred from a mobile‐money wallet to a betting account.

The country’s chairman of the Finance Committee, MP Kimani Kuria, said: “When you are placing a bet, the current taxation regime is that when you have money in your mobile money account and then you transfer that money to the wallet of a betting company, the time of charging excise duty is when you place a bet.

“There are so many entities operating virtually, some outside the country from which we are not able to get this excise duty from them. This now means that every time a Kenyan transfers money from their mobile wallet to the wallet of the betting company, then that’s the time the excise duty is paid.”

It underpins that emerging markets are eyeing flexible measures in the way that they gain the maximum economic uplift from the gambling sector.

Whilst the two African markets are taking alternative strategies to the implementation of excise duty, both clearly view it as a strong avenue to elevating tax intake from the gambling industry.

If market forecasts are to be believed, the decision of Kenya to decrease its excise duty tax could be set to pay off as they are predicted to see an uplift in gaming tax intake. Zambia will provide an interesting comparison as time tests whether the implementation of excise duty has an overall benefit to the economy and the gambling sector’s output.

Rates in Nigeria also frame Zambia as setting a relatively high bar for excise duty tax. In Nigeria, a withholding tax of 5% on winnings for residents and 15% for non-residents has been introduced.

The need to ensure market nuances are met while at the same time retaining simplicity can’t be understated when it comes to a complex tax structure. However, critics right now argue that Zambia is lacking this as it heads towards a straight 10% rate.

In a recent interview with iGaming Expert, Christopher Coyne, Co-Founder and CEO of 888 Africa shared his trepidation that Zambia would take a lead from Kenya in terms of taxation rates, subsequently making it less appealing for operator expansion.

In terms of markets that present an opportunity, Coyne predicted that in five years, Nigeria will grow to become a giant, adding that Egypt has huge potential should it regulate in the coming years.

For many, Malawi remains one of the most alluring markets, following its drastic shift in gaming tax from 20% to 5%, in 2023.

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Curacao shifts gambling responsibility from PM following board departures 

The implementation of the LOK (the country’s new regulatory framework) remains on track even amidst the mass departures of the Curacao Gaming Authority’s Supervisory Board, according to a defiant message from the regulator.

Following the board’s resignation in mid-September, Prime Minister Gilmar Pisas had reportedly taken direct oversight of the board to fulfill plans for Curacao gambling licences to enter a new era of higher compliance standards and regulatory governance.

However, the government has since denied Pisas’ intervention, stating that management of the CGA must fall under the oversight of the Ministry of Justice. According to the determination, the board’s ‘reshaping’ is fairly standard, given it was shifted from the Ministry of Finance to the Ministry of Justice, a move that took place in August’.

The CGA’s Aideen Shortt told iGaming Expert: “The transfer of ministerial responsibility from Finance to Justice is a natural progression as Curaçao’s regulatory framework matures. Having built the legal and operational foundations for the new regime, the CGA is now focused on supervision and monitoring – areas that naturally fall within the Justice portfolio.”

The shifting of the CGA’s supervision from the Finance to the Justice department will be welcomed by many, given the challenges that Curacao’s Finance Minister, Javier Silvania, has faced.

At the end of the last year, forensic investigator Luigi Faneyte filed a report that laid out allegations against Silvania of misconduct, corruption, fraud, embezzlement and money laundering related to the issuance of online gambling licenses.

One of the key allegations levelled against Silvania related to the process of the issuing of “provisional” online gambling licences, with allegations that several had been granted prior to the Lok being enacted, which led to criticism around their legitimacy.

Just last week, Quincy Girigorie, leader of the opposition party PAR, lambasted Silvania, claiming that his dispute with the head of the Tax Receiver’s Office, Alfonso de Jesús Trona, “strikes at the heart of Curaçao’s democratic integrity”.

This dispute escalated at the end of last month when an audio clip was leaked, which captured a spat between the two.

The clip, which has gone viral across Curacao, features the two power figures firing allegations of corruption against each other.

Following the leak, PAR leader Quincy Girigorie took to a press conference to express the seriousness of the situation as he emphasised that “for the first time in our history, a senior official has publicly stated that a Minister of Finance has committed criminal offences.”

Despite the political tensions, the CGA issued assurances that the process to appoint new members of the board is underway, and the implementation of the Lok remains on course and uninterrupted.

Shortt stated: “Supervision and governance within the CGA continue uninterrupted. The Authority remains fully functional and independent, continuing to implement and enforce Curaçao’s new regulatory framework under the LOK.

“Despite sensationalist headlines and fake-news articles, there is no delay or deviation in the rollout of the LOK, and no disruption to the CGA’s licensing or compliance programmes.”

The Ministry of Finance is headed up by Shalten Hato, who has sought to take a tougher approach to money laundering in the country, publicly emphasising that there has been an increase in prosecutions for the crime.

During a recent Parliamentary meeting, he outlined statistics that revealed that 26 individuals had been prosecuted for money laundering. Furthermore, he also detailed that money laundering cases linked to drug trafficking had risen last year – as he sought to showcase a tougher stance against illicit money.

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Urgent warning that Chile’s gambling vacuum is becoming unaffordable

Chile’s casino sector has escalated its call for urgent gambling reforms after the Supreme Court ruled that online betting operations are illegal.

Speaking to SBC Noticias, Cecilia Valdés, Executive President of the Asociación Chilena de Casinos de Juego (ACCJ), stated that the ruling must “serve as a catalyst for legislation, not as a temporary patch”, insisting that Chile needs a proper legal framework for its growing online gambling market.

“The Court did its job by upholding the law,” Valdés told SBC Noticias. “But now it’s Congress’s turn. The judiciary cannot continue to act as a substitute regulator for an industry that politicians have refused to legislate. Chile urgently needs a modern, clear and enforceable gambling law.”

Courts are not regulators

Valdés was clear that judicial interpretations cannot replace actual regulation. “The courts are not designed to regulate industries. They interpret the law but we still don’t have one,” she argued. “Every ruling offers short-term clarity but no long-term stability. Only Congress can provide that.”

Chile’s land-based casinos already operate under strict supervision from the Superintendence of Casinos, which enforces tax compliance and responsible gambling standards. Offshore online operators, however, operate without oversight or contribution to the economy.

“We need one system of rules for everyone,” Valdés said. “It’s unacceptable that regulated casinos are held to the highest standards while online platforms can operate freely from tax havens.”

Chile behind neighbours

The ACCJ has warned that political paralysis threatens to push Chile further behind regional peers such as Colombia, Peru and Brazil — all of which have already introduced online gambling frameworks.

“Every month without regulation means more capital leaving the country, more players exposed to unsafe environments, and more tax lost to the state,” Valdés said. “Not regulating is not neutral — it rewards those who break the law.”

The ACCJ believes that with the right framework, Chile could transform online gaming into a legitimate part of its emerging digital economy.

Matter rolls to a new election

The ACCJ expressed deep frustration that the government has failed to deliver a new Gambling Bill pledged by President Gabriel Boric at the last election. A lost opportunity to bring assurance to the market as Chile electorate heads to the polls in November

“We were told gaming regulation would be a priority,” Valdés said. “Instead, another election has come and gone without a law. Every delay creates more uncertainty and gives illegal operators more space to grow.”

“Chile’s gambling industry has been left in legal limbo for too long,” Valdés continued. “Each year without reform undermines legal operators, weakens tax revenues and damages public trust. We cannot keep relying on court rulings to patch a broken system.”

Clear Vision for 2030

Valdés outlined a vision for a hybrid gambling industry where physical casinos and regulated online platforms coexist under unified, transparent rules.

“Online gaming can help build Chile’s new economy,” she said. “It can create jobs, attract tech partnerships, and drive responsible entertainment — but only under proper regulation.”

She added that technologies such as artificial intelligence, gamification and virtual reality could enhance player protection and customer experience, provided they are implemented within an ethical and regulated structure.

“Our goal for 2030 is a stable, transparent and innovative industry — one that creates jobs, pays taxes and protects players,” Valdés concluded. “The time for political hesitation is over. Chile must legislate for the digital era — and stop asking the courts to fix what only the government can resolve.”

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Illegal casino bust underpins need for modernisation in Bolivia 

A significant bust of an illegal casino operation in Bolivia has been confirmed by the Bolivia Gaming Control Authority (AJ).

The operation was disguised as a food venue, and players were recruited to play through WhatsApp engagement. In a market where inspections are frequent, the illicit actors also utilised an expansive camera network to avoid detection.

As a result of information provided to the authorities, two slot machine gaming devices were seized, and the operation was halted.

It continues action by Bolivian authorities to tackle the illicit market – so far this year, 61 illegal gambling sites have been raided, and 85 gambling facilities have been seized.

The Santa Cruz department currently holds the highest number of illegal gambling sites reported.

There is also a strengthened effort and strategy to ensure that none of the machines re-enter the illicit market, with 2024 seeing the destruction of 639 illegally confiscated gaming machines.

Whilst online gaming is prohibited in Bolivia, there are limited land-based gaming licenses, however, they operate under strict frameworks.

This has led to only one legal license being issued in Santa Cruz and has potentially enabled the grey and black market to thrive and tap into gaps in the market.

There is currently a proposal to evolve the framework for Bolivia’s gaming landscape, however, having first been put forward in 2020, it remains in prolonged deliberation.

At the heart of the potential change in legislation is the inclusion of online gambling within the country’s legal framework.

Central to this is the ability to attract new investors to the sector and boost jobs and wealth across the country.

Furthermore, the changes to the legislation have also been cited as potentially being significant when it comes to tackling the rise of illegal operations that are being engaged with across Bolivia.

An election looms in Bolivia, and the regulated industry will be hoping that whoever comes in will place something of a priority on ensuring gambling regulation is strengthened.

There is currently a two-horse race in the country between Rodrigo Paz Pereira of the Christian Democratic Party and former President Jorge “Tuto” Quiroga. Neither candidate has outlined a specific stance for the gambling industry.

iGaming Expert Analysis: The modernisation of the Bolivian gambling sector is desperately needed and that is underpinned by the latest significant haul of unlicensed operators across the country.

As of right now, the lack of a clear path to regulatory compliance and licensing presents a real challenge for operators that are looking to expand in the country.

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Unibet faces €75m Dutch consumer claim on pre-licence activities 

Unibet Netherlands faces a collective compensation claim of €75m led by Dutch consumer-claims organisation Dynamiet.

A lawsuit has been filed representing 2,500 Dutch customers of Unibet NL who seek lost money from the operator,for facilitating illegal online gambling prior to the launch of the Remote Gambling Act (KOA) on 1 October 2021.

Dynamiet, which recently won a multi-million payout against the credit agency of Bureau Krediet Registratie (BKR), has now turned its focus to the online gambling sector.

The organisation stated that it is pursuing a “first-of-its-kind legal challenge” against a gambling firm seeking a Dutch licence, arguing that operators who profited from illegal activity before regulation should face restitution claims.

At that time, Unibet and other offshore casinos were operating without a Dutch licence — a status that claimants argue rendered their gambling losses unlawful.

Leading the claim, Deepak Thakoerdien, Dynamiet’s cofounder, said the move reflects the organisation’s broader mission to secure justice for those who were financially and emotionally harmed by unregulated online gambling.

“For many of these people, it’s not just about money — it’s about recognition,” he explained. “They were ignored for years while being drained by an illegal casino. Waiting is for spectators; we are here to act.”

Dynamiet has confirmed that it will initially file claims for 1,000 players, with the remaining 1,500 to be added in stages, bringing the total claim value to approximately €75 million. The action targets Kindred Group, Unibet’s parent company, and its subsidiary Risepoint.

According to Dutch iGaming news outlet CasinoNieuws.nl, the summons has already been formally served by a court bailiff. -“The case is being heard by the District Court of The Hague and concerns two entities: Kindred Group Limited (formerly Kindred Group Plc) and Risepoint Limited (formerly Trannel International Limited). Risepoint is no longer part of the group following Kindred’s recent acquisition by FDJ (now FDJ United).”

CasinoNieuws.nl further reports that Dynamiet accuses Unibet of admitting Dutch players for years without holding a valid licence, while failing to meet mandatory player-safety checks such as Know Your Customer (KYC) procedures.

The legal services provider claims that Dutch consumers could deposit via iDEAL, use Dutch-language customer service, and play on a Dutch-language website, all of which suggest that the operator specifically targeted the Dutch market in violation of gambling law.

The combined losses of the players involved have amounted to approximately €75 million, money Dynamiet argues was “unlawfully obtained”, since agreements between Unibet and Dutch players should be considered as “null and void.”

The organisation also points to a 2019 fine imposed by Kansspelautoriteit (KSA), the Netherlands Gambling Authority against Unibet for operating illegally, arguing that the company “deliberately acted in violation of the Gambling Act.”

“You can’t avoid responsibility,” Dynamiet stated in its press release.

In 2019, during the final phase of the KOA’s passage, the Dutch House of Representatives (Kamer) chose not to impose retroactive tax liabilities on operators for their pre-market activities — a decision that drew criticism from several ministers.

However, the Kansspelautoriteit (KSA) implemented a cooling-off period for operators such as Unibet, which already held a significant Dutch customer database, a judgement the regulator deemed to be in the market’s interest.

As a result, Unibet’s market launch was delayed until 4 July 2022, one year after the KOA regime came into effect.

The claim against Unibet forms part of a wider campaign by Dynamiet, which in early 2025 announced its intention to take legal action against six other foreign gambling brands including PokerStars, Betsson, N1 Casino, Bwin, LeoVegas, and 888 Casino. Collectively, these cases represent around 5,000 players and €100 million in alleged losses.

Unlike typical litigation funds, Dynamiet operates independently and self-finances its actions on a no-cure-no-fee basis, charging a 33% commission only upon success.

Legal experts see the Unibet case as a potential landmark for retroactive liability in Dutch gambling law. If successful, it could open the door for further mass claims against operators that accepted Dutch players before the KOA regime, setting a precedent for historic accountability in Europe’s regulated gambling markets.

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UK Gambling Commission set to redefine deposit limits for customer clarity

The UK Gambling Commission will implement a new meaning to deposit limits in 2026 to provide clarity and consistency for customers.

Online operators will be required to provide customers with the opportunity to set a deposit limit based solely on their deposit amount paid into their account over a set period of time.

The changes will be integrated in stages, coming into effect from 30 June 2026.

To avoid any sort of misunderstanding, only this form of limit may be called a “deposit limit”, meaning the current gambling support tool of the same name will have to be redefined.

Operators will also be able to offer different limits, such as loss limits or limits where withdrawals are accounted for.

The changes are being made in line with the 2023 Gambling White Paper and are a result of a consultation between March and April 2025, which examined the definition of deposit limits in the Remote Gambling and Software Technical Standards.

“Our work will help empower consumers to have greater awareness and control over their gambling,” commented Helen Rhodes, Commission Director of Major Policy Projects.

“These further changes will also bring consistency and clarity for those consumers choosing to set deposit limits, while still supporting gambling businesses to offer customer choice for different forms of limits.”

Currently, operators must offer tools to help customers set personal budgets with ease at registration or when they make their first deposit. The rules are being amended to provide customers with clarity and consistency.

With the changes being implemented in stages, operators will be required to do the following from 31 October 2025:

Prompt customers before their first deposit to set a financial limit, as well as make it easy to review and alter their limit.

Issue reminders every six months for customers to review account and transaction information, helping them maintain control of their gambling spend.

Offer financial limits using free text at an account level to help customers set meaningful limits.

Provide financial limit setting facilities via clear and accessible links on their home and deposit pages, with the number of clicks to reach these facilities minimised.

Take immediate action on all customer requests to decrease their financial limit.

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Sweden’s BOS slams Svenska Spel’s proposals as self-interested fuel for black market

Branschföreningen för Onlinespel (BOS), the Swedish Trade Association for Online Gambling, has called out Svenska Spel for its recent proposals for the country’s gambling industry, suggesting that they would “harm consumer protection”.

The Government-owned gambling operator published an op-ed in Dagens Industri, Sweden’s largest business newspaper, at the beginning of the month, with a report on the country’s market being published at the same time.

Svenska Spel laid out 18 proposals to solve problems within the Swedish gambling industry, including stronger protections for young people, stopping unlicensed operators and classifying forms of gambling with different levels of risk, including stricter requirements, such as tighter marketing restrictions, for high-risk verticals, with online casinos mentioned.

Even greater illegal market shares

It is the latter point which BOS has argued against, publishing its own op-ed in Dagens Industri and a post on its website. The trade association stated that the restrictions would mainly affect online casinos, which already face tough competition from unlicensed and illegal operators.

As such, BOS believes the proposal would damage protections to guard customers and award “even greater market shares” to unlicensed and illegal online casinos.

“It is a natural consequence if the legally licensed gambling companies are prevented or prohibited from marketing themselves and their products,” commented BOS Secretary General Gustaf Hoffstedt.

“The proposal that Svenska Spel dresses up in the name of consumer protection would therefore, on the contrary, harm consumer protection, as we know that a transition from licensed to unlicensed gambling entails an increased risk of problem gambling.”

BOS added that marketing restrictions, or even an advertising ban, on online casinos would benefit Svenska Spel commercially because of its monopoly on the lottery.

Hoffstedt said: “A ban on advertising for online casino would mean an enormous advantage for the monopolist Svenska Spel, which then, as the only operator on the Swedish gambling market, can indirectly continue to advertise online casino via its lottery products.”

Regulatory review

The arguments made by BOS compound on its calls in September for Swedish decision makers to undertake more effective regulatory action and to review the current legislative structure for the country’s licensed gambling market.

This request followed a report by Spelinspektionen, the Swedish gambling authority, which estimated that the country’s market channelisation rate in 2024 was 85%, down 1% when compared to the previous year’s 86%.

Hoffstedt commented: “With this assessment, the SGA confirms that Sweden’s major problem in the gambling market is online casino. It is unacceptable that around a quarter of all online casino gambling is leaking out of the licensed market.

“It is equally unacceptable that this has been accepted by political decision-makers for half a decade, since the channelisation has also been low in previous assessments, without effective regulatory measures being taken.

“Later this month, gambling investigator Marcus Isgren’s proposal to change the scope of the Gambling Act will be presented. It is a welcome change in the law that will criminalise almost all unlicensed gambling in Sweden.

“But anyone who understands the gambling market knows that the elephant in the room is that the licensed market is so tightly regulated that it does not appear attractive enough in the eyes of the consumer. Without a review of, for example, the total ban on bonuses and other loyalty programs, next year’s channelisation assessment from the SGA will also be a disappointment.”

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Spain demands tobacco-style harm labels on gambling products

The Ministry of Consumer Affairs of Spain demands that all online gambling licensees must now display public warning messages about gambling harms across products and platforms.

Announced by Pablo Bustinduy, Minister of Social Rights, Consumption, and the 2030 Agenda (MAS), the warnings will be mandated through Royal Decree 958/2020. Applied since 2020, the Decree enacts the federal mandate of Spain’s blanket ban on gambling advertising and sports sponsorships.

Similar to messages carried on tobacco products, online gaming operators will be required to include three slogans on their websites, apps and digital advertising.

These are: “Gambling addiction is a risk of gambling”, “the probability of being a losing gambler is 75%” and “losses for all gamblers are four times greater than their winnings”.

According to Bustinduy, the objective of the change is to replace generic messages, such as “play responsibly”, with direct warnings based on “real data” about risk.

“The responsibility should not fall on the users but on the authorities, who have the democratic duty to ensure that the environments they access are safe,” Bustinduy stated during a Safe Gaming event, organised by the Ministry.

The implementation is being facilitated through a new resolution and two annexes that the DGOJ, Spain’s gaming regulator, is scheduled to release for public information in the coming days.

The messages must be displayed clearly by operators on banners, advertising videos and login screens for gaming platforms.

Spain widens gambling controls

The warning messages sit alongside wider gaming reform in Spain, designed to boost player protection measures.

At the MAS-led event, Bustinduy referred to the Customer Service Law, which is currently being processed in Congress and would reinstate the regulation of gambling advertising and prevent the use of celebrities in advertising campaigns or welcome bonuses aimed specifically at young audiences.

Prior to April 2024, welcome bonuses were completely banned by Royal Decree 9587/2000. However, after being reinstated, they have been linked to a significant surge in iGaming activity.

Data published by the MAS revealed that the number of online players increased by 21.36% last year and the number of accounts by 23.48%.

This led to Bustinduy leading calls for an amendment to ban promotional incentives once more.

In addition, the DGOJ confirmed its intentions to move forward with plans to establish a centralised deposit limit system for players, set at €600 per day, €1,500 per week and €3,000 per month.

Currently, operators are required to manage limits independently.

The regulator is also working on the development of a mandatory AI-led responsible gambling algorithm that aims to trace live variable indicators of problem gambling risks.

EGBA hails approval of standards of harm policy

While Spain forges ahead with significant changes, the European Gaming & Betting Association has welcomed the approval of a draft European standard on markets of harm in the European Committee for Standardisation (CEN).

According to the trade body, an “overwhelming majority” of national standardisation bodies voted in favour of the policy.

“The positive outcome of this vote is a real testament to the power of collaboration across our sector,” commented Maarten Haijer, Secretary General of the EGBA.

“When EGBA first proposed this initiative to CEN, we envisioned creating a commonly agreed standard that would benefit players across Europe. We’re delighted with the support the standard has received, and I want to personally thank all the stakeholders who participated in this process. The result shows what happens when we work together to strengthen player protection.”

The EGBA has worked with experts across Europe, including academics, gambling regulators, operators and harm prevention professionals, to develop the policy which seeks to set out a widely-recognised standard for markers of gambling harm.

These include behavioural indicators such as shifts in speed and the time and duration of play, which can signal risky or problematic activity.

Though an important milestone, the standard must now go through the formal CEN finalisation process before it will be published.

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