Shopping bags with computer keyboard, symbolising online shopping

Online shopping is becoming more secure

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

Preview image for the video "Online shopping is becoming more secure".

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.

We're making the changes over time and you'll start to see them in 2021.

What will this mean to me?

When you’re shopping somewhere new or spending more than usual online using an Al Rayan Bank debit card, we will sometimes ask you to enter a One Time Passcode (OTP) which you will then enter into the verification screen to confirm it’s you. The One Time Passcode will be sent:

  • Directly to your mobile phone via text message

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 contact us on 0800 408 6407 to let us know.

Will you contact me directly about these changes?

If we think that we do not have your correct mobile phone number recorded, we may contact you so that we can update our records and you can continue to make online purchases in a secure way.

How can I update my details now?

You can call us on 0800 408 6407 Monday to Friday from 9.00am to 7.00pm. Saturday from 9.00am to 1.00pm, or you can download and complete our Contact Details Update form and return it to us to: Customer Services team. Al Rayan Bank PLC. PO Box

Download form

We will be updating this page with further information as we get closer to implementing these important changes.

In the meantime, here is some information you may find helpful:

Frequently asked questions about PSD2

Fraud and security

Whether you've been the victim of fraud, or you're looking to learn more about avoiding it, we are committed to keeping you and your accounts as safe as possible.

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