RegAlertRule · CBI · 21 Jan 2026 · Dreifibréf
Regulation (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets
Payment service providers and crypto-asset service providers must comply with Regulation (EU) 2023/1113, which applies to transfers of funds in any currency sent or received by a payment service provider or intermediary established in the European Economic Area, and to crypto-asset transfers, including via crypto-asset ATMs, where the provider or intermediary has a registered office in the EEA. It also requires internal policies, procedures and controls where at least one provider involved is EEA-established. The Regulation entered into force on 1 January this year with Act No. 101/2025.
21 January 2026
Ref.: 2508114
Circular no.: 4/2026
To payment service providers and crypto-asset service providers
Subject: Regulation of the European Parliament and of the Council (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets
Regulation of the European Parliament and of the Council (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets and amending Directive (EU) 2015/849 (TFR II) entered into force on 1 January this year with the entry into force of Act No. 101/2025 on markets for crypto-assets.
The Regulation lays down rules on information on payers and payees of payments accompanying transfers of funds, in all currencies, and information on originators and beneficiaries of crypto-assets accompanying transfers of crypto-assets, for the purpose of preventing, detecting and investigating money laundering and terrorist financing. In addition, the Regulation lays down rules on internal policies, procedures and controls to ensure the implementation of measures where at least one of the payment service providers or crypto-asset service providers involved in a transfer of funds or crypto-assets is established in the European Economic Area.
The Regulation applies to transfers of funds, in any currency, which are sent or received by a payment service provider, or a payment service intermediary, established in the European Economic Area. It also applies to transfers of crypto-assets, including transfers of crypto-assets made through a crypto-asset ATM, where the crypto-asset service provider or crypto-asset intermediary, either the originator or the beneficiary, has a registered office in the European Economic Area.
The Financial Supervisory Authority directs the recipients of this circular as well as others concerned to familiarise themselves with the content of the Regulation and to comply with the requirements of the Regulation in their activities. This circular will be published on the Central Bank's website.
Yours faithfully,
CENTRAL BANK OF ICELAND
Linda Kolbrún Björgvinsdóttir
Guðrún Inga Guðmundsdóttir managing director lawyer conduct supervision conduct supervision
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“Regulation of the European Parliament and of the Council (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets and amending Directive (EU) 2015/849 (TFR II) entered into force on 1 January this year with t…”
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