{"id":31253,"date":"2025-12-15T15:17:43","date_gmt":"2025-12-15T14:17:43","guid":{"rendered":"https:\/\/nect.com\/media\/okategoriserad\/penningtvaettslagen-det-haer-behoever-foeretag-veta\/"},"modified":"2026-10-27T20:21:56","modified_gmt":"2026-10-27T19:21:56","slug":"penningtvaettslagen-det-haer-behoever-foeretag-veta","status":"publish","type":"post","link":"https:\/\/nect.com\/sv\/media\/blogg\/penningtvaettslagen-det-haer-behoever-foeretag-veta\/","title":{"rendered":"Penningtv\u00e4ttslagen: Det h\u00e4r beh\u00f6ver f\u00f6retag veta"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31253\" class=\"elementor elementor-31253 elementor-30076\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c85029 e-flex e-con-boxed e-con e-parent\" data-id=\"7c85029\" 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-5d557f2 elementor-widget elementor-widget-text-editor\" data-id=\"5d557f2\" 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>Den tyska penningtv\u00e4ttslagen (GwG) \u00e4r en viktig f\u00f6reskrift som f\u00f6retag i Tyskland m\u00e5ste f\u00f6lja. F\u00f6r att effektivt bek\u00e4mpa <a href=\"https:\/\/nect.com\/sv\/media\/blogg\/penningtvaett-det-haer-boer-du-absolut-kaenna-till\/\" target=\"_blank\" rel=\"noopener\">penningtv\u00e4tt<\/a> m\u00e5ste f\u00f6retag f\u00f6rst\u00e5 GwG och uppfylla dess krav. I den h\u00e4r artikeln g\u00e5r vi igenom GwG mer ing\u00e5ende och diskuterar vilka konsekvenser som f\u00f6ljer vid bristande efterlevnad.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e8a192 e-con-full e-flex e-con e-child\" data-id=\"0e8a192\" 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-6fa91ea elementor-widget elementor-widget-heading\" data-id=\"6fa91ea\" 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\">Det viktigaste i korthet<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed21d5b elementor-widget elementor-widget-text-editor\" data-id=\"ed21d5b\" 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>Syftet med GwG \u00e4r att skydda det finansiella systemets integritet och motverka brottslighet<\/li><li>GwG g\u00e4ller f\u00f6r alla f\u00f6retag i Tyskland som hanterar finansiella transaktioner \u2013 oavsett f\u00f6retagets storlek eller bransch<\/li><li>F\u00f6retag som bryter mot penningtv\u00e4ttslagen riskerar h\u00f6ga b\u00f6ter<\/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-13f03ca elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"13f03ca\" 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\tInneh\u00e5llsf\u00f6rteckning\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__13f03ca\" aria-expanded=\"true\" aria-label=\"\u00d6ppna inneh\u00e5llsf\u00f6rteckning\"><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__13f03ca\" aria-expanded=\"true\" aria-label=\"St\u00e4ng inneh\u00e5llsf\u00f6rteckning\"><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__13f03ca\" 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-6714e86 e-con-full e-flex e-con e-child\" data-id=\"6714e86\" 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-1268093 elementor-widget elementor-widget-spacer\" data-id=\"1268093\" 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-6e777d6 elementor-widget elementor-widget-heading\" data-id=\"6e777d6\" 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\">Penningtv\u00e4ttslagen \u2013 enkelt f\u00f6rklarad<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042b669 elementor-widget elementor-widget-text-editor\" data-id=\"042b669\" 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>GwG inf\u00f6rdes f\u00f6r att <b>bek\u00e4mpa penningtv\u00e4tt och finansiering av terrorism<\/b>. Lagen fastst\u00e4ller regler och f\u00f6rfaranden som <b>f\u00f6retag m\u00e5ste f\u00f6lja<\/b> f\u00f6r att uppt\u00e4cka och rapportera misst\u00e4nkta aktiviteter. Syftet med GwG \u00e4r att skydda det finansiella systemets integritet och motverka brottslighet.  <\/p><p>Dessutom <b>definierar GwG penningtv\u00e4tt<\/b> som den process d\u00e4r illegala int\u00e4kter f\u00f6rs in i det legala finansiella kretsloppet. Det omfattar olika metoder, s\u00e5som att d\u00f6lja pengarnas ursprung, blanda legala och illegala medel samt anv\u00e4nda f\u00f6retag f\u00f6r penningtv\u00e4tt. GwG har stor betydelse f\u00f6r alla f\u00f6retag i Tyskland, oavsett storlek eller bransch.  <\/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-dc2abb1 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"dc2abb1\" 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-60e9172 elementor-widget elementor-widget-heading\" data-id=\"60e9172\" 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\">N\u00e4r inf\u00f6rdes GwG i Tyskland?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a03d618 elementor-widget elementor-widget-text-editor\" data-id=\"a03d618\" 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>Den tyska penningtv\u00e4ttslagen (GwG) \u00e4r en viktig del av det tyska r\u00e4ttssystemet och har en l\u00e5ng historia. Den inf\u00f6rdes f\u00f6rsta g\u00e5ngen<b> \u00e5r 1993<\/b> och har sedan dess uppdaterats flera g\u00e5nger f\u00f6r att m\u00f6ta de f\u00f6r\u00e4nderliga hoten fr\u00e5n penningtv\u00e4tt och finansiering av terrorism. GwG bygger p\u00e5 internationella standarder och riktlinjer, framf\u00f6r allt rekommendationerna fr\u00e5n Financial Action Task Force (FATF), en internationell organisation f\u00f6r bek\u00e4mpning av penningtv\u00e4tt och finansiering av terrorism.  <\/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-cbb799a elementor-widget elementor-widget-heading\" data-id=\"cbb799a\" 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\">Vad ligger till grund f\u00f6r penningtv\u00e4ttslagen?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0277bbd elementor-widget elementor-widget-text-editor\" data-id=\"0277bbd\" 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\tEU:s penningtv\u00e4ttsdirektiv utg\u00f6r grunden f\u00f6r alla nationella lagar mot penningtv\u00e4tt (&#8221;Anti-Money-Laundering&#8221;). Mellan 1991 och 2018 har sammanlagt sex direktiv publicerats. Medlemsstaterna ansvarar f\u00f6r att genomf\u00f6ra EU:s penningtv\u00e4ttsdirektiv p\u00e5 nationell niv\u00e5. I Tyskland sker detta genom flera anpassningar av penningtv\u00e4ttslagen.    \n\n\u00d6versikt \u00f6ver alla EU-penningtv\u00e4ttsdirektiv:\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-bece325 elementor-widget elementor-widget-text-editor\" data-id=\"bece325\" 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>\n \t<li>1. EU:s penningtv\u00e4ttsdirektiv 1991<\/li>\n \t<li>2. EU:s penningtv\u00e4ttsdirektiv 2001<\/li>\n \t<li>3. EU:s penningtv\u00e4ttsdirektiv 2005<\/li>\n \t<li>4. EU:s penningtv\u00e4ttsdirektiv 2015<\/li>\n \t<li><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/DE\/TXT\/?uri=celex%3A32018L0843\" target=\"_blank\" rel=\"noopener\">5. EU:s penningtv\u00e4ttsdirektiv 2018<\/a><\/li>\n \t<li><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/DE\/TXT\/PDF\/?uri=CELEX:32018L0843\" target=\"_blank\" rel=\"noopener\">6. EU:s penningtv\u00e4ttsdirektiv 2018<\/a><\/li>\n<\/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-7afe8ed elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"7afe8ed\" 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-d2193b8 elementor-widget elementor-widget-heading\" data-id=\"d2193b8\" 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\">Vad \u00e4ndras i penningtv\u00e4ttslagen fr\u00e5n 2020? Vad g\u00e4ller 2024? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c536577 elementor-widget elementor-widget-text-editor\" data-id=\"c536577\" 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\tGwG \u00e4r en dynamisk lag som st\u00e4ndigt vidareutvecklas f\u00f6r att m\u00f6ta de f\u00f6r\u00e4nderliga hoten. Det \u00e4r viktigt att f\u00f6retag h\u00e5ller sig uppdaterade om de senaste lagkraven och regelbundet ser \u00f6ver och uppdaterar sina \u00e5tg\u00e4rder mot penningtv\u00e4tt.  \n\nF\u00f6ljande har \u00e4ndrats i den tyska penningtv\u00e4ttslagen (GwG) fr\u00e5n och med den 1 januari 2020 i Tyskland:\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-7989c15 elementor-widget elementor-widget-text-editor\" data-id=\"7989c15\" 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<ol><li><b>Ut\u00f6kat till\u00e4mpningsomr\u00e5de<\/b>: Den reviderade GwG omfattar nu ett bredare spektrum av verksamheter och yrkesgrupper. Hit h\u00f6r bland annat kryptovalutab\u00f6rser, konst- och auktionshus samt leverant\u00f6rer av virtuella valutatj\u00e4nster. Dessa f\u00f6retag m\u00e5ste nu f\u00f6lja samma penningtv\u00e4ttsregler som traditionella finansinstitut.  <\/li><li><b>Sk\u00e4rpta aktsamhetskrav<\/b>: F\u00f6retag och finansinstitut m\u00e5ste till\u00e4mpa f\u00f6rst\u00e4rkta aktsamhets\u00e5tg\u00e4rder vid identifiering av sina kunder. Det inneb\u00e4r att de m\u00e5ste genomf\u00f6ra en grundlig kontroll av kundernas identitet (KYC) f\u00f6r att s\u00e4kerst\u00e4lla att de inte g\u00f6r aff\u00e4rer med potentiellt misst\u00e4nkta personer. Detta \u00e4r s\u00e4rskilt viktigt vid transaktioner \u00f6ver 10 000 euro.  <\/li><li><b>Transparensregister<\/b>: Tyskland har inf\u00f6rt ett centralt transparensregister. I registret samlas information om f\u00f6retagens verkliga huvudm\u00e4n och g\u00f6rs offentligt tillg\u00e4nglig. Syftet \u00e4r att f\u00f6rsv\u00e5ra penningtv\u00e4tt genom att f\u00f6rhindra att f\u00f6retagens verkliga \u00e4gare kan agera i det dolda.  <\/li><li><b>H\u00f6jda straff<\/b>: Straffen f\u00f6r \u00f6vertr\u00e4delser av GwG har h\u00f6jts kraftigt. F\u00f6retag och privatpersoner som bryter mot best\u00e4mmelserna kan \u00e5l\u00e4ggas k\u00e4nnbara b\u00f6ter. Vid allvarliga \u00f6vertr\u00e4delser kan b\u00f6terna uppg\u00e5 till flera miljoner, och i v\u00e4rsta fall kan \u00e4ven f\u00e4ngelsestraff utd\u00f6mas.  <\/li><\/ol>\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-50edebc elementor-widget elementor-widget-text-editor\" data-id=\"50edebc\" 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\tDessa riktade \u00e4ndringar i penningtv\u00e4ttslagen \u00e4r en del av den tyska regeringens omfattande arbete f\u00f6r att mer effektivt bek\u00e4mpa penningtv\u00e4tt och finansiering av terrorism. Det \u00e4r av avg\u00f6rande betydelse att f\u00f6retag och personer som omfattas av GwG f\u00f6ljer dessa best\u00e4mmelser noggrant f\u00f6r att undvika juridiska problem och allvarliga konsekvenser. \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-4a15ece elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"4a15ece\" 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-12dd1b7 elementor-widget elementor-widget-heading\" data-id=\"12dd1b7\" 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\">Vem omfattas av penningtv\u00e4ttslagen? F\u00f6rpliktade enligt penningtv\u00e4ttslagen <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-911af93 elementor-widget elementor-widget-heading\" data-id=\"911af93\" 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\">Utdrag ur lagen och f\u00f6rklaring<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90a851b elementor-widget elementor-widget-text-editor\" data-id=\"90a851b\" 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>GwG g\u00e4ller f\u00f6r alla f\u00f6retag i Tyskland, oavsett storlek eller bransch. Den omfattar m\u00e5nga olika f\u00f6retag som hanterar finansiella transaktioner. De \u00e4r skyldiga att utveckla och genomf\u00f6ra interna riktlinjer och rutiner f\u00f6r att bek\u00e4mpa penningtv\u00e4tt.  <\/p><p>Bland de som <b>omfattas av penningtv\u00e4ttslagen<\/b> finns bland annat f\u00f6ljande f\u00f6rpliktade. En fullst\u00e4ndig f\u00f6rteckning \u00f6ver samtliga f\u00f6rpliktade finns i <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\">GwG \u00a7 2 stycke 1<\/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-f1aff6d elementor-widget elementor-widget-text-editor\" data-id=\"f1aff6d\" 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>Notarier<\/li><li>Kreditinstitut<\/li><li><a href=\"https:\/\/nect.com\/sv\/branscher\/bank-och-finansiella-tjaenster\/\" target=\"_blank\" rel=\"noopener\">Finansiella tj\u00e4nstef\u00f6retag<\/a><\/li><li>Finansf\u00f6retag<\/li><li>vissa <a href=\"https:\/\/nect.com\/sv\/branscher\/foersaekring\/\" target=\"_blank\" rel=\"noopener\">f\u00f6rs\u00e4kringsf\u00f6retag<\/a><\/li><li>Advokater <\/li><li>Skatter\u00e5dgivare<\/li><li>Fastighetsm\u00e4klare<\/li><li>Varuhandlare<\/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-ce822d2 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ce822d2\" 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-788b7b5 e-con-full e-flex e-con e-child\" data-id=\"788b7b5\" 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-001a6f2 elementor-widget elementor-widget-heading\" data-id=\"001a6f2\" 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\">Hur hj\u00e4lper Nect?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da13ba7 elementor-widget elementor-widget-text-editor\" data-id=\"da13ba7\" 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\tSnabba upp era compliance-processer enkelt och r\u00e4ttss\u00e4kert: uppt\u00e4ck Nect, den bepr\u00f6vade plattformen f\u00f6r <b>advokater, skatter\u00e5dgivare, notarier, revisorer och fastighetsm\u00e4klare<\/b>. Skicka en f\u00f6rfr\u00e5gan och s\u00e4kra tillg\u00e5ng till effektiva, s\u00e4kra och smidiga l\u00f6sningar f\u00f6r era klienter \u2013 v\u00e4lj det bepr\u00f6vade alternativet som m\u00e5nga v\u00e4lrenommerade byr\u00e5er redan anv\u00e4nder. \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-4fb0371 elementor-widget elementor-widget-image\" data-id=\"4fb0371\" 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-31110\" alt=\"Webbl\u00e4sare med KYB-riskbed\u00f6mning 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-37c7410 elementor-widget elementor-widget-button\" data-id=\"37c7410\" 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\">Boka 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 class=\"elementor-element elementor-element-77ac34c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"77ac34c\" 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-738a60c elementor-widget elementor-widget-heading\" data-id=\"738a60c\" 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\">Penningtv\u00e4ttslagens krav p\u00e5 f\u00f6retag<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f0cd0b elementor-widget elementor-widget-text-editor\" data-id=\"2f0cd0b\" 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>GwG spelar en viktig roll i den dagliga verksamheten, eftersom lagen \u00e5l\u00e4gger f\u00f6retag att vidta \u00e5tg\u00e4rder f\u00f6r att f\u00f6rhindra penningtv\u00e4tt. Det handlar bland annat om identifiering och kontroll av kunder, bevarande av aff\u00e4rsdokument samt rapportering av misst\u00e4nkta transaktioner. <\/p><p>F\u00f6rpliktade enligt den tyska penningtv\u00e4ttslagen (GwG) m\u00e5ste i praktiken uppfylla ett flertal krav f\u00f6r att effektivt bek\u00e4mpa penningtv\u00e4tt och finansiering av terrorism. <\/p><p>H\u00e4r \u00e4r n\u00e5gra av de viktigaste kraven:<\/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-65411f3 elementor-widget elementor-widget-text-editor\" data-id=\"65411f3\" 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<ol><li><strong><a href=\"https:\/\/nect.com\/sv\/produkter\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">KYC<\/a> (Know Your Customer) \u2013 identifiering och verifiering av personer:<\/strong> F\u00f6rpliktade m\u00e5ste noggrant kontrollera och \u00f6vervaka sina kunders identitet. Detta omfattar insamling av identitetshandlingar, kontroll av namn mot sanktionslistor och identifiering av verklig huvudman. <\/li><li><strong>Rapportering av misst\u00e4nkta transaktioner:<\/strong> Om f\u00f6rpliktade misst\u00e4nker att en transaktion eller aff\u00e4rsrelation kan kopplas till penningtv\u00e4tt eller finansiering av terrorism \u00e4r de skyldiga att rapportera detta till beh\u00f6riga myndigheter. Misstankerapporter kan l\u00e4mnas via <a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">anm\u00e4lningsportalen hos Financial Intelligence Unit<\/a> (FIU). <\/li><li><strong>Riskbed\u00f6mning och riskhantering:<\/strong> F\u00f6rpliktade m\u00e5ste genomf\u00f6ra riskbed\u00f6mningar f\u00f6r att identifiera penningtv\u00e4ttsriskerna i sin verksamhet. Utifr\u00e5n bed\u00f6mningen b\u00f6r de vidta l\u00e4mpliga \u00e5tg\u00e4rder f\u00f6r att minimera dessa risker. <\/li><li><strong>Bevarande av dokumentation:<\/strong> F\u00f6rpliktade m\u00e5ste spara aff\u00e4rsdokument och transaktionsunderlag under en viss period, s\u00e5 att myndigheterna vid behov kan granska dem.<\/li><li><strong>Utbildning och medvetandeh\u00f6jning:<\/strong> Anst\u00e4llda hos f\u00f6rpliktade b\u00f6r regelbundet utbildas i att f\u00f6rebygga och uppt\u00e4cka penningtv\u00e4tt, f\u00f6r att s\u00e4kerst\u00e4lla att de f\u00f6rst\u00e5r och f\u00f6ljer best\u00e4mmelserna.<\/li><li><strong>Interna kontroller och compliance-program:<\/strong> F\u00f6rpliktade b\u00f6r implementera interna kontroller och compliance-program f\u00f6r att s\u00e4kerst\u00e4lla att de uppfyller lagkraven. Detta omfattar utn\u00e4mning av en penningtv\u00e4ttsansvarig och inf\u00f6rande av interna granskningsrutiner. <\/li><li><strong>Transparensregister:<\/strong> S\u00e5 snart f\u00f6rpliktade samarbetar med f\u00f6retag (juridiska personer) m\u00e5ste uppgifter om aff\u00e4rspartnern sl\u00e5s upp i transparensregistret avseende verklig huvudman.<\/li><\/ol>\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-172683d elementor-widget elementor-widget-text-editor\" data-id=\"172683d\" 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\tDe konkreta kraven kan variera beroende p\u00e5 typ av f\u00f6rpliktad och bransch. Det \u00e4r dock avg\u00f6rande att ni vidtar alla n\u00f6dv\u00e4ndiga \u00e5tg\u00e4rder f\u00f6r att i praktiken s\u00e4kerst\u00e4lla f\u00f6rebyggande av penningtv\u00e4tt och finansiering av terrorism samt efterleva de lagstadgade best\u00e4mmelserna. Vi hj\u00e4lper er g\u00e4rna med detta.  \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-9f0ead6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"9f0ead6\" 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-9c4e7fc elementor-widget elementor-widget-heading\" data-id=\"9c4e7fc\" 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\">\u00d6vertr\u00e4delse av GwG \u2013 dessa straff riskerar man vid bristande efterlevnad<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9afee6e elementor-widget elementor-widget-text-editor\" data-id=\"9afee6e\" 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>Efterlevnad av GwG \u00e4r av stor betydelse, eftersom \u00f6vertr\u00e4delser av lagen kan f\u00e5 allvarliga konsekvenser. F\u00f6retag som bryter mot GwG kan \u00e5l\u00e4ggas b\u00f6ter, och deras anseende och trov\u00e4rdighet kan skadas avsev\u00e4rt. Dessutom kan f\u00f6retag som st\u00f6djer penningtv\u00e4tt eller finansiering av terrorism bli f\u00f6rem\u00e5l f\u00f6r straffr\u00e4ttsligt \u00e5tal <a href=\"https:\/\/www.gesetze-im-internet.de\/stgb\/__261.html\" target=\"_blank\" rel=\"noopener\">enligt tyska strafflagen (StGB) \u00a7 261<\/a>.  <\/p><p>Vid \u00f6vertr\u00e4delser av den tyska penningtv\u00e4ttslagen (GwG) kan f\u00f6ljande b\u00f6ter bli aktuella:<\/p><p>Vid enkla \u00f6vertr\u00e4delser uppg\u00e5r <b>b\u00f6terna till upp till 150 000 euro<\/b> (enligt  <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__56.html\" target=\"_blank\" rel=\"noopener\">\u00a7 56 stycke 1 mening 2 GwG <\/a>).<\/p><p>Allvarliga, upprepade eller systematiska \u00f6vertr\u00e4delser kan bestraffas med b\u00f6ter p\u00e5 upp till 1 miljon euro (enligt  <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__56.html\" target=\"_blank\" rel=\"noopener\">\u00a7 56 stycke 3 GwG <\/a>).<\/p><p>I fall d\u00e4r det r\u00f6r sig om f\u00f6rpliktade enligt \u00a7<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\"> 2 stycke 1 nummer 1\u20133 och 6\u20139 GwG<\/a> som \u00e4r juridiska personer eller personsammanslutningar kan en h\u00f6gre bot utd\u00f6mas. Boten f\u00e5r dock i dessa fall inte \u00f6verstiga f\u00f6ljande belopp: <\/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-90a2b6a elementor-widget elementor-widget-text-editor\" data-id=\"90a2b6a\" 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><strong>Fem miljoner euro<\/strong> eller<\/li><li><strong>10 procent av den totala oms\u00e4ttningen<\/strong> som den juridiska personen eller personsammanslutningen uppn\u00e5tt under det r\u00e4kenskaps\u00e5r som f\u00f6regick myndighetens beslut<\/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-db0e3f5 elementor-widget elementor-widget-text-editor\" data-id=\"db0e3f5\" 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\tDet \u00e4r viktigt att notera att lagakraftvunna b\u00f6tesbeslut m\u00e5ste offentligg\u00f6ras p\u00e5 den ansvariga tillsynsmyndighetens webbplats, vilket ofta kallas &#8221;skamp\u00e5lsregeln&#8221;.\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Penningtv\u00e4ttslagen: F\u00f6rpliktade f\u00f6retag och privatpersoner m\u00e5ste uppfylla kraven i penningtv\u00e4ttslagen f\u00f6r att undvika sanktioner vid \u00f6vertr\u00e4delser.<\/p>\n","protected":false},"author":3,"featured_media":31254,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[816],"tags":[837,819],"class_list":["post-31253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogg","tag-bedraegerifoerebyggande","tag-regulatoriskt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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