QNB Financial Services, or QNBFS, is QNB’s Qatar brokerage subsidiary. Its service covers local, regional and international securities.[1]
Accounts & headline costs
Sections ↑This reference covers QNB Financial Services WLL in Qatar, checked on 17 October 2026. QNB bank accounts support funding, while the brokerage relationship is with the separately identified securities subsidiary.[19][3]
Account and service routes
| Route | Access requirement | Material distinction |
|---|---|---|
| Resident individual cash brokerage | QNB bank account, Qatar ID and investor number (NIN); expatriates also provide passport and a recent salary certificate. | Account-opening approval precedes electronic dealing.Source 3 |
| Minor account | QNB account and NIN; guardian and minor identification, with the guardian present. | The guardian handles onboarding.Source 3 |
| Non-resident, corporate or international dealing | Contact QNBFS for the relevant documents and market access. | The resident checklist is not a complete non-resident admission rule.Source 3 |
| Margin service | Separate approved finance arrangement. | Annual interest applies; the loan rate and collateral terms must be obtained with the offer.Source 4 |
| Domestic retail bonds | NIN-holding investors, subject to onboarding; the December 2025 launch quoted entry from QAR100,000. | This is a bond-service threshold, not the minimum for every share account.Source 6 |
Products, markets & platforms
Sections ↑Documented brokerage scope
| Product | Route | Scope |
|---|---|---|
| Qatar-listed shares | QNBFS web and mobile. | Domestic exchange securities.Source 4 |
| Regional shares | Domestic dealing desk. | Qatar, GCC markets and Egypt.Source 4 |
| US and European equities / ETFs | International desk and a global platform offered through the Interactive Brokers relationship. | Account permissions and market access require confirmation with QNBFS.Source 4 |
| Domestic government debt | Listed bond and Treasury-bill execution. | Retail bond access was extended in December 2025.Source 6 |
| International fixed income | Primary and secondary market transactions. | Government, corporate and quasi-government bonds and sukuk.Source 4 |
The multi_asset classification follows actual equities and debt dealing. Purchasing bond or sukuk securities creates exposure to their issuer, price and repayment terms. QNB’s retail-bond announcement documents an executed trade; the service is beyond an unimplemented licence permission.[6]
Trading channels
| Channel | Vendor-documented capability |
|---|---|
| QNBFS online system | Market information, trading and transfers between QNB bank and investment accounts.Source 2 |
| QNBFS Trading for iPhone / iPad | Quotes, order placement/amendment/cancellation, trade history, portfolio and account statements.Source 7 |
| QNBFS Trading for Android | Mobile order handling and access to account, market and portfolio information.Source 8 |
| Assisted dealing | Telephone or in-person instructions are accepted through QNBFS.Source 5 |
Trading charges & financing
Sections ↑Cost basis to distinguish
| Item | Published treatment |
|---|---|
| Domestic equity commission | 0.275% of traded value on each purchase and each sale. The QAR30 minimum was removed with effect from 16 March 2025.Source 11Source 12 |
| Margin borrowing | Annual interest is charged; QNBFS does not state a numerical rate on its public product page.Source 4 |
| International trades and fixed income | A complete QNBFS commission schedule, minimum ticket charge and custody tariff were not established from the reviewed public pages. Obtain the product-specific quote.Source 4 |
Calculated equity example: QAR10,000 × 0.275% gives QAR27.50 for one trade. Buying and later selling QAR10,000 each produces QAR55 of proportional commission. Different sale value, separately agreed services, financing and currency conversion alter the final cost. The old QAR30 floor still shown in the exchange FAQ is superseded by the dated change.[11][12]
For foreign markets, obtain the settlement currency, whether conversion is automatic or requested, and its rate or markup before funding. QNBFS’s public service descriptions do not establish one FX tariff or a universal recurring, inactivity or account-reactivation fee. The Interactive Brokers relationship does not establish that its direct-client prices apply to QNBFS clients.[2]
Order rules, sessions & margin
Sections ↑Cash-account trading mechanics
| Action | Documented rule |
|---|---|
| Buying | The ordinary cash service requires available funds sufficient for the purchase and fees before the order.Source 5 |
| Domestic session | QSE describes Sunday–Thursday pre-opening from 09:00 and continuous trading from 09:30, with the session ending at 13:15, Qatar time.Source 12 |
| After the session | QNBFS says orders received after closure are held for the next trading day.Source 5 |
| Amendment and cancellation | The mobile application provides both functions. Confirm the recorded status; the existence of a button does not guarantee an instruction precedes a fill.Source 7 |
QSE’s January 2026 rulebook permits market, limit, stop and stop-limit orders and several validity qualifiers. DAY expires at market close; GTC expires at the close of the 365th day after submission unless executed or cancelled earlier. These are exchange capabilities: QNBFS’s public material does not establish every qualifier on every device. Increasing size or changing price/type loses the original queue timestamp.[13]
Telephone dealing provides an alternative to online instructions. Ask the desk to reconcile an uncertain order before entering a replacement; no outage-specific execution guarantee is published.[5]
Margin account safeguards and obligations
| Point | Scope |
|---|---|
| Published market thresholds | QSE’s investor guide lists 60% initial margin and 30% maintenance margin. The approved account agreement can impose its own applicable requirements.Source 14 |
| Price declines | The agreement must explain shortfall notification and replenishment. Failure to cover a shortfall can permit securities to be sold.Source 14 |
| Collateral and transfers | Securities bought on margin are held in the dedicated depository margin account; moving them requires the relevant financier approval under the exchange rules.Source 13 |
| Finance cost and duration | The agreement should identify fees, funding period and finance rate. Public QNBFS pages do not provide a complete personalised margin schedule.Source 14 |
Deposits, settlement & transfers
Sections ↑Moving cash and securities
| Movement | Process and limit |
|---|---|
| Cash in | Transfer from a QNB bank account through online banking or use a QNB branch. QNBFS says the online funding route is immediately available for buying.Source 5 |
| Sale proceeds | Edaa applies T+2 to domestic trades from 25 March 2024. A sale display therefore should not be treated as an unconditional same-day cash withdrawal.Source 15 |
| Cash withdrawal | The trading-system description supports transfers between QNB bank and investment accounts. A universal withdrawal fee, cutoff and bank-arrival deadline are not published there.Source 2 |
| Incoming holdings | Existing securities must be transferred into QNBFS before being traded through it.Source 5 |
| Outgoing holdings | Contact QNBFS by phone or visit the office; the FAQ describes moving the securities to the central depository. It does not publish a transfer completion time or fee.Source 5 |
Never-traded accounts can close with their cash returned. QNBFS’s public FAQ does not give the complete closure process for accounts with previous trades.[5]
Regulation, custody & complaints
Sections ↑QFMA’s financial-services directory identifies QNB Financial Services as a full-service broker and gives 1 May 2011 as its initial licensing date. QSE’s current broker directory lists client trading, liquidity provision, market making and margin trading for QNBFS. These permissions belong to the Qatar brokerage business.[9][10]
Protection framework
| Arrangement | Practical scope |
|---|---|
| Client money | QSE rule 4.1.6 requires broker-received client money in bank accounts separate from the member’s own assets, and prohibits the member borrowing against those accounts.Source 13 |
| Domestic securities | The NIN and depository framework identify holdings; margin securities have their own restricted depository account.Source 13 |
| International custody | The international account documentation should identify the executing and holding entities. The public platform relationship does not establish a universal custody or compensation arrangement.Source 2 |
The reviewed QNBFS and QFMA materials did not establish a per-client investor-compensation amount or supplemental private-insurance policy for this account. Bank ownership, segregated money and an overseas platform connection are separate facts and cannot establish such a limit.[9][18]
Raise an account complaint with QNBFS through its enquiry form or customer-care team, retaining the issue details and any reference. QFMA provides an external complaint/report route for conduct within its jurisdiction. Neither page promises a compensation award or specifies a universal decision deadline.[17][18]
Onboarding, security & assistance
Sections ↑The resident account process is handled through the QNBFS office. Submit the applicable identity and investor-number documents, and confirm whether the requested domestic, international or margin access has been approved. A share-account opening does not establish eligibility for every overseas product.[3]
QNBFS service contacts
Scope QNB Financial Services, Qatar.
Hours Sunday–Thursday 07:15–14:30, Qatar time.
Scope ID/passport, mobile number and issue details are requested.
Scope QFMA conduct complaints and reports.
The office is at Al Sadd Sports Club, Fareej Al Sudan, Doha. The domestic desk’s service hours extend beyond the exchange session. The international desk publishes Monday–Friday 08:00–23:00 in summer and 08:00–00:00 in winter, Qatar time.[16][4]
The iOS release notes document biometric login, forgotten-password and username recovery functions. Existing account credentials are used for access. The public app description does not set a post-recovery withdrawal hold or prove that every desktop instruction is available on mobile.[7]
Statements, research & specialist services
Sections ↑The app displays account statements and trading history. Download-file formats and after-closure history access are not specified.[7]
For overseas investments, QNBFS describes daily activity and monthly statements carrying corporate actions; domestic corporate actions are handled through Edaa or the chosen custodian.[5]
QNB’s October 2026 update describes coverage of more than 25 QSE-listed companies, an upgraded online/mobile service and expanded margin lending. Research is information supplied to clients; the announcement does not establish discretionary control of a retail portfolio.[20]
The 2025 report describes direct electronic connections for institutional clients and discusses AI-assisted recommendations as a subject being explored. It does not document a public retail API permission set or a live AI service authorised to move money or place trades.[19]
Company background & national position
Sections ↑QNBFS was established in the final quarter of 2010 and launched brokerage activities in May 2011. The 2025 group financial statements identify QNB Financial Services WLL as a wholly owned Qatar subsidiary.[2][19]
QNB’s 2025 annual report records a 46% total QSE brokerage share, against 37% in 2024, and 100% of bond and Treasury-bill transaction business. Its retail-investor share was around 10%. The 46% figure measures total brokerage activity, so it should not be read as the retail share. The report also records liquidity/market-making coverage of 39 listed issuers.[19]
- Headquarters
- Doha, Qatar
- Founded
- Established 2010; brokerage launched May 2011
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
QNB Financial Services WLL
No separate licence entry is recorded in this panel.
Sources & further reading
- QNBFS profile and brokerage launch QNB Financial Services · Accessed 17 Oct 2026
- QNBFS trading system: bank transfers, channels and operating history QNB Financial Services · Accessed 17 Oct 2026
- QNBFS account-opening requirements QNB Financial Services · Accessed 17 Oct 2026
- QNBFS products, services and desk hours QNB Financial Services · Accessed 17 Oct 2026
- Why QNBFS: customer FAQ, funding, trading, holdings and reporting QNB Financial Services · Accessed 17 Oct 2026
- First retail fixed-income transaction and QAR100,000 entry, 22 December 2025 QNB Group · Accessed 17 Oct 2026
- QNBFS Trading app: vendor features, security and recovery release notes Qatar National Bank / Apple App Store · Accessed 17 Oct 2026
- QNBFS Trading for Android: vendor product description Qatar National Bank / Google Play · Accessed 17 Oct 2026
- QFMA current financial-services directory: QNB Financial Services full-service broker Qatar Financial Markets Authority · Accessed 17 Oct 2026
- QSE broker directory: QNBFS membership services Qatar Stock Exchange · Accessed 17 Oct 2026
- QSE announcement: proportional commission without a minimum from 16 March 2025 Qatar News Agency, reporting the Qatar Stock Exchange announcement · Accessed 17 Oct 2026
- QSE FAQ: two-sided commission and trading session; minimum superseded in March 2025 Qatar Stock Exchange · Accessed 17 Oct 2026
- QSE Rulebook, English version January 2026 Qatar Stock Exchange · Accessed 17 Oct 2026
- QSE investor education: margin requirements and agreement protections Qatar Stock Exchange · Accessed 17 Oct 2026
- Edaa: T+2 applies to trades dated 25 March 2024 onward Edaa, Qatar Central Securities Depository · Accessed 17 Oct 2026
- Current QNBFS office, customer contacts and working hours QNB Financial Services · Accessed 17 Oct 2026
- QNBFS feedback and enquiry form QNB Financial Services · Accessed 17 Oct 2026
- QFMA investor complaint and report routes Qatar Financial Markets Authority · Accessed 17 Oct 2026
- QNB Group annual report 2025: brokerage review and subsidiary schedule; HKMA-hosted filing QNB Group / Hong Kong Monetary Authority repository · Accessed 17 Oct 2026
- QNBFS operating update published 13 October 2026 QNB Group · Accessed 17 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.