We answer the commonly asked questions about the Bank, our products and services and Islamic finance in general
You can view your savings accounts' expected profit rates through Digital Banking (Mobile Banking app or Desktop Portal), by phone or by visiting a branch. If you are checking Digital Banking, your expected profit rates are shown underneath your account balance on the Home screen. Current Accounts don't pay profit.
You can apply a notice trhough Digital Banking, by phone, in a branch or by writing to us. To apply the notice through Digital Banking, following the sollowing steps:
If you are writing to us, please include your name, address, account number and a signature. Please visit our contact us page for our up to date contact details.
You will not be able to make any partial or full withdrawal or close your account before you give us the relevant notice, as applicable to your account and in line with our terms and conditions.
How do I register for Mobile Banking?
If you have any issues with registration, please call us on 0800 694 7193. Lines are open Monday to Friday 9am to 7pm, and Saturday 9am to 1pm.
Most of the time you will be able to log in using the biometric feature on your phone, however, from time to time for security purposes, you will be required to enter your username and password.
This is the username that you were prompted to set up when you first registered for the Mobile Banking app, and the password that you would have set up at the same time.
If you enter the wrong information too many times, you will lock yourself out of the app and you will need to contact us to remove the block.
As long as you have not locked your account, you can retrieve your username, and reset your password through the app.
When you are prompted to enter your username and password, click on the ‘forgot password’ link.
You will then be prompted to provide information about to yourself, so that we can identify you on our systems. This will include the security questions that you set up.
Once we have verified your identity, you will be able to reset your password. After resetting your password, you will be able to log into the Mobile Banking app.
If you have any issues with resetting your password, please call us on 0800 694 7193. Lines are open Monday to Friday 9am to 7pm, and Saturday 9am to 1pm.
When you open up the app and log in you will see all your accounts displayed on the Account summary screen. This will be the first screen you will see after you log in.
Simply select an account you want to view.
When using the app on a smartphone.
When using the app on a larger screen.
If you are transferring externally, the daily limit for personal customers is £20,000 and £250,000 for business customers. Transactions during the weekend will be subject to an overall limit of your respective daily limit. There is no limit for internal transfers.
You should be able to view all of your accounts via Mobile Banking. If you cannot, please contact us. Visit our contact us page for our up to date contact details.
Yes, both account holders can use Digital Banking provided you both have your own User ID and Password.
A TPP is a third-party service provider that can access information on your accounts and make payments on your behalf from your accounts. To do this, you’ll have to provide the TPP with your explicit consent, and the TPP must be authorised by the Financial Conduct Authority or another European regulator. If they are not an authorised TPP or we believe the request is fraudulent, we’ll have the right to refuse access.
A verification code / one time passcode (OTP) is a secure number sent to you via text message and is used to verify you during the registration process for Mobile Banking
To update your verification code contact details, please contact us. For security reasons, you are not able to update your verification code contact details online.
Yes, you can either set up a one-off payment or a regular standing order.
You can view up to six months of transactions via Mobile Banking. To order a transaction history, please contact us.
Can I view my mobile app via a larger screen, such as a tablet and/or desktop?
Yes you can view your accounts on a desktop or tablet through the Desktop Portal. Simply click here and when asked to sign in, click Use your mobile app and scan the image displayed on the screen using the Scan feature on your mobile app. The scan feature can be found on the bottom bar displayed on your screen on your mobile app]
You will then be able to view all your details on a bigger screen.
This is a way to send messages to Al Rayan Bank about your accounts, from your mobile app, in a secure environment
A secure messgae is a way to contact us about your accounts through Digital Banking, in a secure environment.
When using the Mobile Banking app
When using the Desktop Portal
There are a couple of ways of doing this, depending on how you are viewing the application.
When using the Mobile Banking app on a smartphone
Or from the home page (Account summary) select the account you want to make the payment from and then select Payments from the actions bar which will be half way down the screen.
You can do this while making/scheduling a payment, see “How do I make a payment?” or you can also do this by:
When using the Mobiel Banking app on a smartphone.
When using the Desktop Portal on a larger screen.
When using the Mobile Banking app on a smartphone.
Your 'Balance' is the amount of money in your account after confirmed transactions have come off.
'Available balance' is your balance less any pending transactions. Pending transactions is the amount of money that has been authorised to be taken from your account but has not yet been processed, such as debit card payments. Note: for debit card payments it can take up to four days for the retailer to claim the funds.
From the home page (Account summary) select the account you want to view
Select Statements from the actions bar and the you will then be presented with a list of statements going back a maximum of 12 months.
You can either print the PDF statements or download them.
This is because, unlike an account that might have a credit balance, such as a current account, a Home Purchase Plan has an outstanding balance as the finance is still outstanding.
This is because, unlike an account that might have a credit balance, such as a current account, a Buy To Let Purchase Plan has an outstanding balance as the finance is still outstanding.
Simply select the account you want to view the transactions of, and then select Transactions within the Action bar within the account you have selected.
When using the Desktop Portal on a larger screen
From the home page (Account summary) select 'Notice Account'
Select 'Notice of Withdrawal' from the actions bar
Click 'New Notice of Withdrawal' and complete the details requested on screen
Click 'Add' to confirm.
You can do this by simply adding a new payee. See ‘How do I set up a new payee?’
You can use any account number you have with Al Rayan Bank. Depending on the type of account you have, this could either be a 6, 8, or 13 digit number.
IMPORTANT: Your account number should be entered as a single string of numbers only, removing any other characters.
Yes. You can close down the app using the conventional method by shrinking the app on your device and swiping up. During a period of inactivity, the app will automatically be timed out.
This process uses a photo identification document, such as a passport or a driving licence to identify yourself. You should also allow the app, when prompted, to take photos from your device, so that you can scan the documents and use your camera during the face recognition part of the process.
For this registration process you will need to input your first and last name, your date of birth and your account number. You will be able find your account number from your welcome letter, statements or any debit card you may hold with us. Depending on what accounts you hold with us, this could either be a 6, 8, or 13 digit number.
This may be because you don’t have a compatible smartphone, or you don’t have the latest software installed. To download the app you need to have at least version 12 for iOS and version 8 for Android.
You currently cannot make non-GBP Sterling payments via the Mobile Banking Business App. The current version only allows GBP Sterling payments. We are looking to build this functionality within a future version.
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Register for Digital Banking and manage your account on the move through our Mobile Banking app, or from the comfort of your own home through the Desktop Portal.