Do you know how we invest your money?

Invest - 650The Ethical Banking YouGov survey* commissioned more than 2,000 adults in the UK and  revealed a clear discrepancy: although an increasing amount of consumers are interested in a more ethical approach to banking, the majority don’t receive any information about where their money is invested by their bank.

This discrepancy may reflect busy modern lives or a lack of understanding and education about the nature of savings and investment. The ability to choose where customers’ money is invested varies across institutions, and all too often it is only those with significant amounts to invest who are made aware of their choices.

The truth revealed by the statistics is that millions of people may be trusting banks with their money, without the banks having to make it clear what they’re doing with that money.

As an Islamic bank, we understand the importance of being ethical and transparent about what we do with your money while we’re looking after it. We honour the trust you put in us through sound ethical investment that returns an expected profit.

We have worked to raise the profile of ethical banking amongst our mainstream industry peers, that means being open and explicit about where we invest, what commodities and activities we support, and giving customers the information they need to make informed choices. Judging by the research findings, there is a clear desire for this approach from banking consumers in the UK.

Where Al Rayan Bank invests its customers' deposits

Invested Never Invested
  • Property
  • Low risk commodities, such as metals
  • Industries connected with:
    • Gambling
    • Alcohol
    • Tobacco
    • Arms
    • Pornography
  • Any other industry where the activities are not permitted under Sharia
  • Any derivative and fixed income instruments, such as options, warrants, swaps, futures, auction rate securities, and currency options, as well as structured notes on assets.
  • Any investment which is not backed by a tangible asset

 We have always prided ourselves on our Sharia-compliant investments. All our savings accounts are individually monitored to ensure close adherence to important ethical and Sharia principles. Our customers know their money will never be used to fund arms, alcohol, gambling, or any other restricted activity or commodity. We invest wisely in tangible assets such as property and monitor our investments in order to generate an ethical profit.

By commissioning surveys into ethical banking we aim to promote people’s understanding of ethical investments, and inspire everybody to think about where their money is invested and exactly what they’re comfortable allowing their money to be used for. After all, everyone deserves banking they can believe in.


*The survey of 2,028 UK adults was conducted by YouGov on behalf of Al Rayan Bank between 30th September and 2nd October 2019. YouGov surveyed adults in Great Britain. All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 2028 adults of which 1865 have a main bank/ financial provider. Fieldwork was undertaken between 1st - 2nd October 2019. The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).

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