Aljazira Bank API Integration & Open Banking

Transaction history & statement API

Retrieve paginated transaction records with flexible date-range and type filters (debit, credit, transfer, card, bill payment). Output formats include structured JSON for API consumers or Excel/CSV for accounting software ingestion. Supports the full SAMA AIS account statement endpoint surface, making it directly usable for open banking aggregation pipelines.

Typical use: automated bookkeeping sync to SAP, Oracle Financials, or QuickBooks; multi-period spend category analysis; personal finance management (PFM) applications.

Financing schedule export (Murabaha / Ijara)

Structured export of all active Sharia-compliant financing products: Murabaha personal finance, Ijara auto lease, and initial real estate mortgage. Each record surfaces the installment number, principal component, profit margin, due date, and remaining outstanding balance — fields aligned with Islamic Finance Information Service (IFIS) data standards.

Typical use: enterprise fleet management for Ijara leases, automated due-date alerts for personal finance customers, regulatory capital reporting on financing portfolios.

Credit card & La-Tajil installment stream

Real-time credit card transaction events including merchant name, Merchant Category Code (MCC), transaction amount, and La-Tajil installment eligibility flag. In 2024, Bank AlJazira added instant push notifications for qualifying card transactions — our webhook integration captures this event stream and relays it to your backend.

Typical use: spend controls for corporate cards, loyalty point reconciliation, BNPL (Buy Now Pay Later) eligibility checks based on La-Tajil program rules.

Account aggregation & multi-bank view

Bank AlJazira's own Open Banking page (bankaljazira.com/ob-en) confirms participation in SAMA's AIS framework, allowing customers to link accounts from other Saudi banks. Our aggregation module wraps this capability into a normalized data model, so you can fetch Aljazira Bank data alongside SNB, Al Rajhi, or Riyad Bank accounts through a single unified API call.

Typical use: wealth management dashboards, treasury cash-pooling for enterprises, personal net-worth tracking applications targeting Saudi retail users.

Payment initiation (SAMA PIS v2)

Following SAMA's September 2024 release of the Payment Initiation Service framework, Bank AlJazira's app supports outbound SAR transfers, bill payments, and SARIE instant settlement. Our PIS integration module handles the full consent-redirect-confirmation flow, returning payment status and settlement reference numbers for reconciliation.

Typical use: supplier payment automation, recurring subscription billing, embedded finance flows where a third-party app needs to initiate payments on behalf of the account holder.

Profile & KYC prefill API

Retrieve verified identity fields (name, national ID, mobile, address) from the AlJazira profile screen to prefill onboarding forms in third-party fintech applications. The new app (2024 redesign) allows all personal information management from a single profile hub, making field extraction straightforward via the updated profile management endpoints.

Typical use: insurance onboarding, telco SIM registration, government service applications that can leverage bank-verified KYC data under customer consent.

Step 1 — Authorization & token exchange

// SAMA Open Banking OAuth2 — Authorization Code Flow (pseudocode)
POST /ob/v1/oauth/token
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <base64(client_id:client_secret)>

grant_type=authorization_code
&code=<AUTH_CODE_FROM_REDIRECT>
&redirect_uri=https://your-app.example/callback
&scope=accounts transactions financing

// Response
{
  "access_token": "eyJhbGci...",
  "token_type": "Bearer",
  "expires_in": 3600,
  "refresh_token": "dGhpcyBpcyBh...",
  "scope": "accounts transactions financing"
}

Step 2 — Transaction history query

// Fetch account transaction statement (pseudocode)
GET /ob/v1/accounts/{account_id}/transactions
Authorization: Bearer <ACCESS_TOKEN>
x-fapi-customer-ip-address: 192.168.1.10
x-fapi-interaction-id: a1b2c3d4-...

Query params:
  fromBookingDate=2025-10-01
  toBookingDate=2025-10-31
  transactionType=ALL        // DEBIT | CREDIT | ALL
  limit=100
  offset=0

// Response (truncated)
{
  "Data": {
    "Transaction": [
      {
        "TransactionId": "TXN-9821034",
        "BookingDateTime": "2025-10-12T14:22:00+03:00",
        "Amount": { "Amount": "450.00", "Currency": "SAR" },
        "CreditDebitIndicator": "DEBIT",
        "MerchantDetails": {
          "MerchantName": "Tamimi Markets",
          "MerchantCategoryCode": "5411"
        },
        "TransactionReference": "INV-20251012-001"
      }
    ]
  },
  "Meta": { "TotalPages": 4 },
  "Links": { "Next": "/ob/v1/accounts/ACC-001/transactions?offset=100" }
}

Step 3 — Ijara auto lease schedule

// Retrieve Ijara financing schedule (pseudocode)
GET /ob/v1/financing/{contract_id}/schedule
Authorization: Bearer <ACCESS_TOKEN>
Accept: application/json

// Response
{
  "ContractId": "IJR-2024-88741",
  "ProductType": "IJARA_AUTO_LEASE",
  "AssetDescription": "Toyota Hilux 2024",
  "TotalFinancedAmount": { "Amount": "120000.00", "Currency": "SAR" },
  "RemainingBalance": { "Amount": "87400.00", "Currency": "SAR" },
  "Installments": [
    {
      "InstallmentNo": 13,
      "DueDate": "2025-11-01",
      "InstallmentAmount": "2800.00",
      "ProfitComponent": "340.00",
      "PrincipalComponent": "2460.00",
      "Status": "UPCOMING"
    }
  ],
  "NextDueDate": "2025-11-01",
  "TotalInstallments": 60,
  "PaidInstallments": 12
}

SAMA Open Banking Framework

Saudi Arabia's central bank (SAMA) issued the Open Banking Framework in November 2022, establishing mandatory standards for Account Information Services (AIS). The September 2024 second release extended the framework to Payment Initiation Services (PIS) and introduced mandatory Multi-Factor Authentication (MFA) for all open banking transactions. Bank AlJazira is a participant in this framework. All our integrations are scoped to customer-consented data access under the SAMA-defined consent model, with token lifetimes and scope limitations per the published technical specification.

Saudi Arabia Personal Data Protection Law (PDPL)

The Kingdom's Personal Data Protection Law (PDPL), enforced from September 2023 by the National Data Management Office (NDMO), governs how personal financial data may be collected, processed, and transferred. Our delivered integrations include data-minimization guidance (collect only the fields your use case requires), retention-period recommendations, and consent audit trail logging — all aligned with PDPL Chapter 2 (Processing Principles) and Chapter 5 (Data Subject Rights) requirements.

Islamic Finance compliance considerations

Bank AlJazira operates entirely under Sharia principles supervised by an internal Shariah Board. Financing data (Murabaha profit rates, Ijara lease structures) must be handled without representation as conventional interest-bearing products. Our API response schemas preserve the original Sharia-compliant field naming (profit component vs. interest, installment vs. payment) and include documentation notes for downstream systems that need to display or report these fields correctly for Islamic finance audits.

About our studio

We are an independent technical studio specializing in app interface integration and authorized API integration for financial and fintech applications. Our team brings hands-on experience with mobile banking protocol analysis, open banking standards (SAMA, PSD2, RBI), and data pipeline engineering across GCC, APAC, and European markets.

• Islamic finance data structures: Murabaha, Ijara, Musharakah, Istisna'a field naming conventions
• SAMA Open Banking Framework implementation and certification support
• Saudi Arabia PDPL data-minimization and consent audit guidance
• Deliverables in Python, Node.js, or Go with full API documentation and test harnesses
• Source code delivery from $300 — receive runnable code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted endpoints and pay only per call; no upfront cost, ideal for usage-based teams

Contact us

Ready to integrate Aljazira Bank transaction data, financing schedules, or SAMA open banking APIs into your product? Submit your target app and requirements through our contact page — we'll respond within one business day with a scoping estimate.

Contact page

Two engagement models: fixed-price source code delivery or pay-per-call API access. Both include documentation and compliance notes.

Engagement workflow

1. Scope confirmation — You provide the target integration scenario (e.g. transaction history, financing schedules, PIS payments). We confirm feasibility and scope within 1 business day.
2. Protocol analysis & API design — We analyze the Bank AlJazira app flow, identify relevant SAMA AIS/PIS endpoints, and draft an API specification. Duration: 2–4 business days.
3. Build & internal validation — Source code is written, unit-tested, and validated against live sandbox or production endpoints (with your credentials). Duration: 3–7 business days.
4. Documentation & delivery — We deliver runnable source code (Python/Node.js/Go), OpenAPI specification, and PDPL compliance guidance. Duration: 1–2 business days.
5. Typical total timeline: 7–14 business days for a first complete API module. SAMA certification or third-party approval processes may extend this timeline.

FAQ

What do you need from me to get started?

Does this work for the AlJazira Business app as well?

How is compliance handled?