Al Rayan Bank | Islamic banking | Sharia compliant & ethical

Sharia compliant home finance

Fixed rental rate of 4.99%*

*Fixed until 30 September 2021. Administration fee £999. Subject to status. Terms and conditions apply.

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Important Notice

Enhancements to your online banking service:

Al Rayan Bank has been working hard to improve the ways in which you can manage your accounts, with the aim of making your banking with us as convenient as possible. We have, therefore, added the following functionality to your online banking facility:

You can apply for our range of savings products online without the need to print and return application forms and other documents. In most cases you will be able to open accounts in a few minutes
You can deposit money into your new Al Rayan Bank savings account by using your debit card or setting up a regular Direct Debit
Online bank statements covering the last 12 months to date are available to view and print
A range of notifications can be set up to help you manage your account more efficiently. For example, you can opt to receive emails to let you know when your account reaches a certain balance or when a debit leaves your account

Please note that the browsers currently supported by our online banking facility include Microsoft Internet Explorer 8, 9, 10 and 11, Google Chrome, Apple Safari and Firefox.

If you do not currently use any of these browsers, you can download your preferred one either from the Microsoft, Google or Apple websites.

CryptoLocker ransomware spreading fast

Fraudsters are spamming millions of people with emails that appear to be from banks and other financial institutions that carry CryptoLocker ransomware. The National Crime Agency (NCA) says the emails have been sent to millions of people.

Encrypts the files on your PC

The emails carry malicious files that disguise themselves as correspondence (for example, a voicemail, fax, details of a suspicious transaction or invoices for payment). The emails actually carry CryptoLocker ransomware. Once installed CryptoLocker works by encrypting personal files such as, photos, music, office documents etc. Once the files have been encrypted CryptoLocker displays a screen with a countdown timer and a demand for the payment.

The NCA's National Cyber Crime Unit (NCCU) says you should never send the payment of a ransom to criminals as there is no guarantee that they would honor the payments in any event.

CryptoLocker prevention advice

Do not to click or download unsolicited email attachments.
Update your Antivirus software and operating systems regularly.
Back up all your important files and store them off your network.
Where a computer becomes infected it should be disconnected from the network, and professional assistance should be sought to clean the computer.

Various antivirus companies offer remedial software solutions (although they will not be able to restore encrypted files).

Important

Keep your passwords safe at all times and do not write them down. You should never tell anyone your password
Beware of emails that ask you to confirm your password or other details. (We will never send you an email asking for your password or other security details)
Ensure no-one is watching you logon. Avoid using public or shared facilities such as Internet Cafes or other people's computers to access your banking services
Keep your firewall on

If you suspect that you have received a suspicious email or have entered a counterfeit copy of our website you can contact us on webfraud@alrayanbank.co.uk or call us on 0800 4086 407.

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Even higher returns

If you're keen to earn a higher return on your savings, it's a great time to look at our award-winning Fixed Term Deposit (FTD) savings accounts.

*When profit is reinvested and paid on maturity, the 36 Month FTD's annual equivalent expected profit rate is 2.42%. T&Cs apply.

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Home Purchase Plan

5% deposit - Fixed rental rate of 4.99%

10% deposit - Fixed rental rate of 4.49%

Administration fee £999

Subject to status, terms and conditions apply

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Best-buy* cash ISAs

12 Month Fixed Term Cash ISA - 1.60%^

24 Month Fixed Term Cash ISA - 1.80%^

Instant Access Cash ISA - 1.35%^

^Gross p.a. expected profit rate. T&Cs apply.
*Source Moneyfacts.co.uk; Cash ISAs comparison tables.

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About us

Al Rayan Bank (UK) is a British bank which has been pioneering Islamic banking since 2004
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Help & FAQs

Do you have a question about your account or Islamic finance? Let us help you.
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FSCS protected

As a fully regulated British bank, all eligible depositors are protected by the FSCS
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Videos & animations

Videos and animations to help you learn more about Islamic banking
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Home finance

Pay rent not interest when you purchase or refinance a property
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Savings accounts

Profits generated from ethical activities which are lawful under Sharia
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Expanding your business

Al Rayan Bank helps its customers to own their own homes, save for their families' futures and expand their businesses without compromising their faith or their values.

This is Shama's story

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Al Rayan Bank helps its customers to own their own homes, save for their families' futures and expand their businesses without compromising their faith or their values.

This is Shama's story

Find out more

Tools & Support