Empowering your business to offer financial services
Banking as a Service is a modern model where Bank al Etihad provides its regulated banking infrastructure through secure APIs — allowing non-bank businesses to seamlessly embed financial solutions into their platforms, without needing a banking license. Whether you’re launching a fintech startup, enhancing an e-commerce experience, or creating a financial feature within your product, our BaaS platform gives you the tools and compliance backbone to implement integrated financial services.
Why build with Bank al Etihad’s BaaS?
Launch faster
Skip the complexities of building financial services from scratch. Our infrastructure is ready to go — so you can move from idea to execution fast.
We handle compliance
Licensing, regulatory requirements, and compliance are all taken care of. Focus on your customers while we ensure everything runs safely and legally.
Add new revenue streams
Monetize your platform by embedding value-added financial services — all while keeping your core business front and center.
Seamless API integration
Maintain full control over your user experience. Our APIs make it easy to embed banking features into your existing product flow.
Scale with confidence
From local launches to global expansions, our infrastructure scales as your business grows.
What you can build with us
Embedded Accounts
Create full-featured personal or business accounts within your platform. Let your users deposit, withdraw, and view real-time balances — all without leaving your product.
Card Issuing
Issue custom-branded debit and prepaid cards — physical or virtual. We handle card production, activation, processing, and compliance, while you retain control of the user experience.
Payments and Transfers:
Enable fast, secure money movement. From ACH and wire transfers to P2P, cross-border payments, and direct deposits — we support it all with built-in scalability.
Compliance & KYC:
We manage KYC, AML checks, and continuous compliance monitoring. Your users stay protected and compliant — with none of the regulatory headaches.
Lending Infrastructure
Offer credit products like Buy Now Pay Later, personal loans, or business lines of credit — right inside your product. We provide the backend, risk tools, and infrastructure — you provide the experience.
Start building with Bank al Etihad
Whether you’re just starting out or ready to scale, our Banking as a Service platform helps you launch, grow, and lead — all on a foundation you can trust.
You might also like
Check out more of our products and services designed to fit your needs.
Cashback and discounts
Get special deals and discounts at a wide range of stores when you pay with our cards.
Multi-currency prepaid card
Carry the world’s currencies in your pocket and save on exchange fees when shopping.
Easy Payment Plans
Split big purchases into small monthly payments using your credit card.
Make everyday banking simple
This account takes care of the small stuff so you can focus on what matters.
