Central Bank of Bahrain (CBB)
Can a fintech access Bahrain bank APIs without a CBB licence?
Content reviewed 2026-08-14 · How we check sources
Short answer
Not if the fintech itself provides regulated AISP or PISP services. CBB open-banking rules require banks to provide access to authorised providers, so an unlicensed fintech cannot rely on customer consent alone to act as the regulated third party.
What this means
A software company can support a licensed provider technically, but the authorised entity must remain responsible for the regulated service and the customer-facing obligations.
Map who receives consent, accesses data and initiates payment orders before deciding whether the fintech is a vendor or an open-banking provider.
Official sources
Central Bank of Bahrain — Open Banking ↗Ask with your entity, activity and regulator.
Regulatory research, not legal advice. This answer has the scope and review date shown above; your institution decides applicability.