← State of Embedded Finance 2026

Qnb Group

Can the largest bank in the Middle East and Africa become the region's dominant embedded finance and open banking infrastructure provider for corporate clients?

Founded1964
HQDoha, Qatar
IndustryBank / National
The story

Founded in 1964 as Qatar's first commercial bank, QNB Group has grown into the largest financial institution in the Middle East and Africa with a presence across 28+ countries. The bank has progressively digitized its corporate banking infrastructure, deploying iGTB's CBX platform across 14 countries (2019) and launching Qatar's first open banking API for corporate clients (2024). More recently, QNB has leaned into embedded finance by offering Banking as a Service through its Turkish subsidiary (QNB Turkey), partnering with TransferMate for cross-border B2B multicurrency collections, and pioneering card innovations such as Mastercard VCN and Visa Installment Solution in Qatar.

Last 12 months
2025-10
2025-11
2025-05
2025-07
Product timeline
1964
Qatar National Bank founded as the first Qatari commercial bank.· banking
2019
QNB Group selected iGTB's CBX digital corporate banking platform for rollout across 14 countries.· banking
2024
QNB Group unveiled Qatar's first open banking API for corporate clients.· banking
2025
QNB became the first Qatari bank to launch Mastercard Virtual Card Numbers (VCN) for corporate clients.· card
2025
QNB became the first issuing bank in Qatar to go live with Visa Installment Solution for Visa credit cardholders.· lending
2025
QNB Group partnered with TransferMate to expand global B2B multicurrency collections capabilities for corporate customers.· banking
2025
QNB Group issued USD 1 billion in bonds under its Medium Term Note Programme in international capital markets.· banking
Regulated entities
National Bank Charter
Qatar · 1964
Qatar National Bank (Q.P.S.C.)
Payment Institution License
Turkey
QNBpay Ödeme Hizmetleri A.Ş.
The stack
Payments / PSP
QNBpay Ödeme Hizmetleri A.Ş. (self-operated)VisaMastercard
Banking / BaaS
QNB Group (self-operated)
Card issuing
Mastercard
Lending
QNB Business Credit Cards (revolving line of credit)SME Term LoansOverdraft FacilitiesTrade Finance / Document Credit FacilityCheque DiscountingProject LoansAl-Dhameen Loans (QDB-backed SME financing)Vehicle LoansVisa Installment Solution (BNPL at checkout)
FX & payouts
TransferMate
Accounting gap: significant