Sweden Moves to Tighten Gambling Credit Rules

Sweden is preparing a major update to its gambling legislation, targeting indirect credit use in the industry. While current rules already ban direct gambling on credit, the new proposal seeks to close loopholes. It would prevent licensed operators from facilitating bets funded by borrowed money—even through third parties.

If passed, the changes would take effect in April 2026. The proposal marks a shift in focus from individual responsibility to systemic prevention. Instead of only banning credit cards, it addresses how funds are sourced, processed, and accepted by operators.

New Restrictions for Licensed Gambling Operators

Under the proposal, operators would no longer be allowed to link to or support credit providers. This includes embedded lending options, digital interfaces promoting installment payments, or visible credit card use at retail locations. If it’s clear a player is using credit, operators would be obligated to reject the payment.

This extends responsibility from just blocking credit transactions to actively avoiding any feature that could indirectly promote gambling on borrowed money. Licensed operators will need to update both digital platforms and point-of-sale practices. The aim is to stop credit at the source—not just the surface.

Consumer Protection at the Core

Sweden’s goal is to reduce over-indebtedness linked to gambling. Lawmakers say borrowed money in the gambling ecosystem threatens both individual finances and public health. This proposal is part of a wider framework that already includes bonus limits, marketing rules, and deposit caps.

Since 2019, Sweden’s gambling market has operated under a regulated model focused on responsible gaming. These latest measures build on that foundation. They show a continued effort to make gambling safer and more transparent, especially when it comes to payment channels.

Industry Impact and Next Steps

If enacted, the law would affect online casinos, betting shops, and even payment providers that offer gambling-adjacent services. Operators may need to overhaul payment systems, remove links to lenders, or tighten affordability checks. Even affiliates and fintech companies could face changes, especially those offering embedded credit tools.

Enforcement will likely be overseen by Spelinspektionen and financial authorities. The government has given the industry until 2026 to prepare, allowing time for technical updates and legal feedback. A key question in the coming debate will be how operators are expected to identify credit-funded transactions—and what tools will help them do it.