Open iGaming Bank Account 2026: High-Risk Merchant & Corporate Banking Guide

In 2026, opening a bank or payment account for an iGaming business is more challenging but also more strategic than in previous years. Regulators are tightening rules around remote gambling, deposit limits, and customer affordability checks, especially in mature markets like the UK and the EU. At the same time, payment firms and electronic money institutions (EMIs) face stricter supervision from authorities such as the FCA, which directly impacts how they onboard high‑risk merchants.​

For licensed iGaming operators, this means that a “standard” business account is no longer enough. Specialist providers now combine multi‑currency business accounts, card acquiring, and alternative payments with enhanced due‑diligence and ongoing monitoring. They expect clear ownership structures, up‑to‑date gambling licences, robust AML and responsible‑gaming policies, and transparent source‑of‑funds documentation.​

The upside is that, once approved, these accounts can significantly improve cash flow and player experience. Real‑time payments, faster withdrawals, and support for local methods (open banking, instant bank transfers, wallets) help operators reduce chargebacks and increase conversion. In many cases, settlements are routed through safeguarded or segregated accounts, offering additional protection for client funds in line with EMI and payment‑services rules.​

To open an account for your iGaming business in 2026, you will typically need to:

‭• Prove licensing and regulatory status in each target market.

‭• Provide full KYC/KYB, including UBO details, company structure, and business model.

‭• Share AML, fraud, and responsible‑gaming policies, plus transaction‑monitoring procedures.

‭• Present recent financials, forecasts, and main payment flows by geography and method.

In an environment of rising gambling duties and tighter supervision, choosing a banking or payment partner with deep iGaming experience is essential. The right account setup can support compliant growth, stable processing, and the flexibility to add new payment rails as regulations and player preferences evolve.