{"id":30414,"date":"2026-01-23T15:48:43","date_gmt":"2026-01-23T14:48:43","guid":{"rendered":"https:\/\/nect.com\/media\/nicht-kategorisiert\/anti-money-laundering-act-for-individuals-what-you-need-to-know\/"},"modified":"2026-10-27T16:46:46","modified_gmt":"2026-10-27T15:46:46","slug":"anti-money-laundering-act-for-individuals-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/nect.com\/en\/media\/blog\/anti-money-laundering-act-for-individuals-what-you-need-to-know\/","title":{"rendered":"Anti-Money Laundering Act for Individuals: What You Need to Know"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30414\" class=\"elementor elementor-30414 elementor-30089\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e51943f e-flex e-con-boxed e-con e-parent\" data-id=\"e51943f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2279de elementor-widget elementor-widget-text-editor\" data-id=\"e2279de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMoney laundering is a complex and often misunderstood topic, yet it is relevant for every citizen. It is a process by which illegally acquired money is fed into the legal financial and economic cycle to obscure its illegal origin. This article will provide you with a comprehensive overview of the Anti-Money Laundering Act from the perspective of an individual.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a19f6f0 e-con-full e-flex e-con e-child\" data-id=\"a19f6f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f18689 elementor-widget elementor-widget-heading\" data-id=\"5f18689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Points at a Glance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5a2c88 elementor-widget elementor-widget-text-editor\" data-id=\"f5a2c88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Individuals should also keep the Anti-Money Laundering Act in mind: For payments over \u20ac10,000, the proof of origin requirement applies. The buyer must be able to demonstrate where the money comes from. <\/li><li>Proof of the money&#8217;s origin can include: invoices, receipts, donation agreements, bank statements, etc.<\/li><li>Reporting obligation: In cases of suspected money laundering, companies and individuals are obliged to report to authorities.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acdd790 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"acdd790\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__acdd790\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__acdd790\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__acdd790\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7a8790 e-con-full e-flex e-con e-child\" data-id=\"b7a8790\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da1cbb1 elementor-widget elementor-widget-spacer\" data-id=\"da1cbb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87dcae4 elementor-widget elementor-widget-heading\" data-id=\"87dcae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A Brief Overview: The Anti-Money Laundering Act<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4293959 elementor-widget elementor-widget-text-editor\" data-id=\"4293959\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/\" target=\"_blank\" rel=\"noopener\">Anti-Money Laundering Act<\/a> (GwG for short) was first passed in 1991. It is a central instrument in the fight against <strong>illegal financial transactions<\/strong> and financial crime, and it establishes rules to prevent money laundering and terrorist financing. Various institutions such as banks, insurance companies, and other industries are obliged to identify their customers, report suspicious transactions, and implement internal controls. The goal is to make financial flows more transparent and strengthen cooperation between authorities to detect and prevent criminal activities.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ded47e elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"4ded47e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4706ab8 elementor-widget elementor-widget-heading\" data-id=\"4706ab8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is the Anti-Money Laundering Act also relevant for individuals?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05289d6 elementor-widget elementor-widget-text-editor\" data-id=\"05289d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Anti-Money Laundering Act always first raises the question of the <strong>origin of the money<\/strong> in a transaction. In this context, it can happen that individuals and companies unintentionally violate the GwG. This can occur when products or services are purchased with cash or when cash is deposited into a current account. Above a limit of <strong>\u20ac10,000<\/strong>, the origin of the money must be verifiable. To ensure this, it is advisable to keep various <strong>proofs of transactions<\/strong> or other evidence of the money&#8217;s origin readily available. These include:     <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de21226 elementor-widget elementor-widget-text-editor\" data-id=\"de21226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Receipts for cash withdrawals from another bank<\/li><li>Invoices and receipts<\/li><li>Will, donation agreements, certificate of inheritance, etc.<\/li><li>Current bank statements with details of cash withdrawals<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-894c943 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"894c943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86f7acd elementor-widget elementor-widget-heading\" data-id=\"86f7acd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What happens if I want to make a transfer over \u20ac10,000?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b116c8 elementor-widget elementor-widget-text-editor\" data-id=\"3b116c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As soon as a transfer exceeds the sum of \u20ac10,000, your bank must send you a corresponding <strong>form<\/strong> in accordance with the provisions of the Anti-Money Laundering Act. You fill this out with your personal data and information about the transaction and send it back. In addition to the bank, the tax office may also ask questions about the transaction.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7970f9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"b7970f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08c6cf1 elementor-widget elementor-widget-heading\" data-id=\"08c6cf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reporting Suspected Money Laundering When Buying a Car<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db95422 elementor-widget elementor-widget-text-editor\" data-id=\"db95422\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When buying a car, care should be taken to ensure that payment <strong>is not made with cash<\/strong>. If it does happen, strict regulations of the Anti-Money Laundering Act must be observed.  <\/p><p>The law applies from a sum of \u20ac10,000. The seller is obliged to identify the buyer (checking the identification document) and to create a <strong>risk analysis<\/strong>. The aim must be to ensure that the money&#8217;s origin comes from legal sources. In the case of suspicious transactions, a report must be made to the competent authority (<a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">FIU<\/a>).   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-972691b elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"972691b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f64b1a elementor-widget elementor-widget-heading\" data-id=\"0f64b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Form for Identifying Natural Persons According to the Anti-Money Laundering Act<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96ee9f4 elementor-widget elementor-widget-text-editor\" data-id=\"96ee9f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no uniform form for identifying natural persons according to the Anti-Money Laundering Act (GwG) that is used nationwide in Germany. The exact requirements and procedures can vary depending on the industry and type of business relationship. The <strong>identification obligations<\/strong> are regulated in various sectors, including banks, insurance companies, financial service providers, and other companies subject to the GwG.  <\/p><p>At Nect, we have developed a tool that allows you to <a href=\"https:\/\/nect.com\/en\/products\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">conveniently identify your customers online in compliance with the GwG<\/a>. Contact us for a brief introduction to the product, and you can get started immediately. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5d5a7 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"5e5d5a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90142f3 e-con-full e-flex e-con e-child\" data-id=\"90142f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b23e385 elementor-widget elementor-widget-heading\" data-id=\"b23e385\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How does Nect help?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a903f85 elementor-widget elementor-widget-text-editor\" data-id=\"a903f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAccelerate your compliance processes effortlessly and securely: Discover Nect, the proven platform for <b>lawyers, tax advisors, notaries, auditors, and real estate agents<\/b>. Send us an inquiry and secure access to efficient, secure, and convenient solutions for your clients \u2013 use the proven choice of many renowned law firms now. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-224e719 elementor-widget elementor-widget-image\" data-id=\"224e719\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-30392\" alt=\"Browser with KYB risk assessment KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e17af1 elementor-widget elementor-widget-button\" data-id=\"4e17af1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a Demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Anti-Money Laundering Act for Individuals: For payments over \u20ac10,000, the proof of origin requirement applies. Learn what you need to consider. <\/p>\n","protected":false},"author":3,"featured_media":30415,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[751],"tags":[752,754],"class_list":["post-30414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-compliance","tag-regulatory"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Anti-Money Laundering Act for Individuals: What You Need to Know - Nect<\/title>\n<meta name=\"description\" content=\"Anti-Money Laundering Act for Individuals: For payments over \u20ac10,000, the proof of origin requirement applies. 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