# AMLD6 (Sixth Anti-Money Laundering Directive)

**AMLD6 is Directive (EU) 2024/1640, the sixth EU Anti-Money Laundering Directive. It sets what Member States must organise — central beneficial ownership registers, bank account registers, financial intelligence units and national supervision — and must be transposed into national law by 10 July 2027.** The obligations of firms themselves sit in the [AMLR](/glossary/amlr/).

*Also called:* the sixth AML Directive. **Beware the name:** "6AMLD" is also widely used for Directive (EU) 2018/1673 on combating money laundering by criminal law, which harmonised money-laundering offences and had to be transposed by 3 December 2020. Always check which instrument a source means.

## Why it matters for PSPs and EMIs

AMLD6 shapes the institutions a payment institution deals with: the supervisor that inspects it, the financial intelligence unit that receives its reports, and the beneficial ownership register it must consult and correct. Because it is a directive, the practical detail will still differ by Member State.

## What the law says

- **Transposition.** Art. 78(1): Member States transpose by 10 July 2027, except Art. 74 (amendments to the current directive), due by 10 July 2025; Arts. 11, 12, 13 and 15 (access to beneficial ownership registers), due by 10 July 2026; and Art. 18 (single access point to real estate information), due by 10 July 2029.
- **Repeal of the Fourth Directive.** Art. 77: Directive (EU) 2015/849 is repealed with effect from 10 July 2027.
- **Beneficial ownership registers.** Art. 10: registers must hold adequate, accurate and up-to-date information, verify it, act within 30 working days on reported discrepancies and show a visible mention while a discrepancy is open (Art. 10(10)), and flag links to sanctioned persons (Art. 10(9)). Art. 11: access for competent authorities, self-regulatory bodies and obliged entities. Art. 12: access for persons with a legitimate interest.
- **Other registers.** Art. 16: bank account registers and data retrieval systems.
- **Financial intelligence units.** Chapter III (Arts. 19 to 36).
- **Supervision.** Chapter IV, including powers and resources of national supervisors (Art. 37) and risk-based supervision (Art. 40).

## Related

- [AMLR](/glossary/amlr/)
- [AMLA](/glossary/amla/)
- [Central beneficial ownership register](/glossary/central-beneficial-ownership-register/)

Canonical: https://proofvolt.eu/glossary/amld6/