Al Rayan Bank debit card security

If suspicious activity or transactions outside of your normal spending pattern appear on your Al Rayan Bank debit card, to protect you and your money from fraud we may contact you to confirm the use is genuine.

Please let us know if your contact details have changed. Don't forget that you can help protect yourself from fraud when shopping online by registering your debit card with MasterCard SecureCode. To verify your identity, you may be asked to provide personal information such as address, birth date and confirmation of your telephone banking PIN. You will never be asked to provide your full telephone PIN, or your Al Rayan Bank Debit Card PIN.

If we are unable to contact you regarding the unusual transactions on your Al Rayan Bank Debit Card, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the transactions are legitimate.

In an effort to further protect our customers and reduce fraud, we are increasing our card security levels and analysing each transaction for potential fraud. Transactions that are highly abnormal from your normal spending activity may be declined as a precaution.

Although our detection systems are designed to detect abnormal activity on your Al Rayan Bank Debit Card, it is possible that a legitimate purchase may appear suspicious and be declined. If this occurs, please contact us immediately to verify the activity. Once your transaction is verified, you will need to process the transaction again.


Your Al Rayan Bank Debit Card cannot be used in the following locations:

  • Casinos
  • Automatic fuel dispensers
  • Money remittance retailers

You may also wish to notify us in advance of any large or unexpected transactions if they are out of your normal spending patterns e.g. a new car or large holiday payment.

Contact us by phone on 0800 4086 407 on Monday to Friday, between 9.00am and 7.00pm, and on Saturdays, between 9.00am and 1.00pm. Alternatively you can visit any of our branch locations or send us a secure email with this information (please note, you will be directed a secure server page).