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Online shopping is becoming more secure

We're making some changes to better protect you from online criminals.

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Online shopping is becoming more secure

We're making some changes to better protect you from online criminals. The changes will have an effect on how you shop online and are as a result of new regulation which affects the whole banking sector.

What will this mean to me?

When making an online purchase using your Al Rayan Bank debit card, we will sometimes ask you to confirm it’s you who is making the purchase. If you have registered for Digital Banking you will now have a choice on how to do this: 

  • Push Notification

    We will send you a push notification to your Al Rayan Bank Digital Banking app. Simply follow the on screen instructions when you receive the push notification to validate the online purchase. 
  • One time passcode (OTP)

    We will send the OTP to you via a text message sent directly to the mobile phone number we have registered for you. You will need to enter the OTP into the online purchase verification screen to validate the purchase. 

What happens if I don’t use Digital Banking?

If you don’t currently have the Al Rayan Bank Digital Banking app, you will still be able to validate your transaction through a One time passcode (OTP). You can, of course, download the Digital Banking app by visiting

Why are you making these changes?

The Second Payment Services Directive, commonly referred to as PSD2 regulates payment services in Europe.

Strong Customer Authentication is part of PSD2 and is a new set of regulatory rules that will change how you authenticate your identity when making purchases online.

With increasing amounts of purchases being made online, these new rules will help reduce fraud and protect consumers from online criminals.

Make sure you are ready. Your contact details need to be up to date

This is an important change in regulation which will help to protect you when you’re shopping online, so it’s really important that we have the correct contact details for you.

  • If you’ve changed your mobile phone number recently or your email details and have not informed us, please let us know.

How can I update my details now?

Download and complete our Contact Details Update form and return it to us to: Customer Services team. Al Rayan Bank PLC. PO Box 12461 Birmingham

Download form

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