finpeel Answers · KSA · updated 2026-08-14
Not merely because it holds a SAMA licence. Securities and investment activities fall within the Saudi Capital Market Authority’s perimeter and can require separate CMA authorisation.
Saudi Arabia divides financial regulation by activity. A payment or finance permission from SAMA does not automatically authorise securities advice, dealing, arranging or asset-management services.
A combined product should map each feature to the competent regulator and, where necessary, use separately authorised entities or permissions.
Regulator: SAMA / Saudi CMA by activity
Primary sources: Saudi CMA — FinTech Lab
Directional — not legal advice. Verify with the regulator before committing.
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