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Guides for the Saudi licence path
Plain-language guides to licensing, AML and regulatory change in Saudi Arabia, each one sourced to the regulator.
Applying for a SAMA open banking licenceApplying for a SAMA open banking licence: SAR 500,000 (AIS) or SAR 1m (PIS) capital, the Appendix A file, and what SAMA's published texts leave open.- Entering Saudi Arabia as a foreign fintechForeign fintech market entry in Saudi Arabia: fix the licence first, because SAMA approves in principle before you incorporate in the form it requires.
How to apply for a SAMA payment licenceTo apply for a SAMA payment licence, pick a PI or EMI category (SAR 1m to 10m capital), email the file, and SAMA decides within 90 days of completeness.
Can you outsource your MLRO in Saudi Arabia?Outsourced MLRO in Saudi Arabia: SAMA firms need a Saudi-national Director of AML/CTF; some CMA firms may delegate the MLRO. What you can buy in instead.
Real estate tokenization in Saudi Arabia: what is live and what is still pendingReal estate tokenization in Saudi Arabia in October 2026: REGA runs a sandbox, pilots are complete and no national tokenization law is confirmed.- Saudi AML law amendments 2026: what changed and what to updateSaudi AML law amendments 2026: Royal Decree M/223 changed the AML Law in April and revised rules were published in June. What firms should update now.
- Saudi Arabia's financial regulators: who licenses what (2026)Saudi Arabia financial regulators explained: SAMA licenses payments, lending and banks, the CMA securities, the IA insurance. No crypto licence exists.
Saudi fintech events 2025 to 2026: what changed for licensingSaudi fintech events 2025-26: SAMA moved open banking to commercial licensing, REGA oversaw the first deed tokenization and CMA opened the Main Market.
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