EBA Remote Onboarding Guidelines

The EBA Remote Customer Onboarding Guidelines were issued by the European Banking Authority (EBA) under Article 13(1) of the EU Anti-Money Laundering Directive (AMLD). They came into effect on October 2, 2023, and apply to credit and financial institutions across the EU. These guidelines aim to harmonize practices for onboarding customers remotely while ensuring compliance with AML/CFT requirements.The guidelines define clear standards for banks, fintechs, and other financial institutions when using digital solutions like video KYC, biometric checks, and document verification. They also require strong internal controls, proper governance, and the use of trustworthy technologies to prevent impersonation, identity fraud, and other onboarding risks.