Important Notice

Enhancements to your online banking service:

Al Rayan Bank has been working hard to improve the ways in which you can manage your accounts, with the aim of making your banking with us as convenient as possible. We have, therefore, added the following functionality to your online banking facility:

You can apply for our range of savings products online without the need to print and return application forms and other documents. In most cases you will be able to open accounts in a few minutes

You can deposit money into your new Al Rayan Bank savings account by using your debit card or setting up a regular Direct Debit

Online bank statements covering the last 12 months to date are available to view and print

A range of notifications can be set up to help you manage your account more efficiently. For example, you can opt to receive emails to let you know when your account reaches a certain balance or when a debit leaves your account

Please note that the browsers currently supported by our online banking facility include Microsoft Internet Explorer 8, 9, 10 and 11, Google Chrome, Apple Safari and Firefox.

If you do not currently use any of these browsers, you can download your preferred one either from the Microsoft, Google or Apple websites.

CryptoLocker ransomware spreading fast

Fraudsters are spamming millions of people with emails that appear to be from banks and other financial institutions that carry CryptoLocker ransomware. The National Crime Agency (NCA) says the emails have been sent to millions of people.

Encrypts the files on your PC

The emails carry malicious files that disguise themselves as correspondence (for example, a voicemail, fax, details of a suspicious transaction or invoices for payment). The emails actually carry CryptoLocker ransomware. Once installed CryptoLocker works by encrypting personal files such as, photos, music, office documents etc. Once the files have been encrypted CryptoLocker displays a screen with a countdown timer and a demand for the payment.

The NCA's National Cyber Crime Unit (NCCU) says you should never send the payment of a ransom to criminals as there is no guarantee that they would honor the payments in any event.

CryptoLocker prevention advice

Do not to click or download unsolicited email attachments.

Update your Antivirus software and operating systems regularly.

Back up all your important files and store them off your network.

Where a computer becomes infected it should be disconnected from the network, and professional assistance should be sought to clean the computer.

Various antivirus companies offer remedial software solutions (although they will not be able to restore encrypted files).

Important

Keep your passwords safe at all times and do not write them down. You should never tell anyone your password

Beware of emails that ask you to confirm your password or other details. (We will never send you an email asking for your password or other security details)

Ensure no-one is watching you logon. Avoid using public or shared facilities such as Internet Cafes or other people's computers to access your banking services

Keep your firewall on

If you suspect that you have received a suspicious email or have entered a counterfeit copy of our website you can contact us on webfraud@alrayanbank.co.uk or call us on 0800 4086 407

Target profit rates

Account	Target profit rate (gross p.a.)	Type of access
On Demand Savings Account	0.05%	Instant	Find out more
Young Person's Savings Account	0.10%	Instant	Find out more
Direct Savings Account	0.15%	Instant	Find out more
60 Day Notice Savings Account	1.00%	60 days' notice	Find out more
90 Day Notice Savings Account	1.50%	90 days' notice	Find out more
90 Day Young Person's Notice Savings Account	1.30%	90 days' notice	Find out more
Charities' Notice Savings Account	1.40%	100 days' notice	Find out more
Instant Access Cash ISA	0.50%	Instant	Find out more
60 Day Notice Cash ISA	1.00%	60 days' notice	Find out more
120 Day Notice Cash ISA	1.20%	120 days' notice	Find out more
12 Month Fixed Term Cash ISA	1.35% ^{1 2}	No access within fixed term	Find out more
24 Month Fixed Term Cash ISA	1.70% ^{1 2}	No access within fixed term	Find out more
12 Month Fixed Term Deposit Account	1.90% ^{1 2}	No access within fixed term	Find out more
18 Month Fixed Term Deposit Account	2.04% ^{1 2}	No access within fixed term	Find out more
24 Month Fixed Term Deposit Account	2.20% ^{1 2}	No access within fixed term	Find out more
36 Month Fixed Term Deposit Account	2.30% ^{1 2}	No access within fixed term	Find out more

¹For existing customers your target profit rate, which you will have been advised of on opening, remains unchanged

²Where profit is reinvested and paid on maturity, the annual equivalent expected profit rates will be: 1.35% on the 12 month FTD ISA, 1.70% on the 24 month FTD ISA, 1.91% on the 12 month FTD, 2.06% on the 18 month FTD, 2.22% on the 24 month FTD and 2.32% on the 36 month FTD

To view the details of the actual profit rates that have previously been paid click here
To find out more about the profit sharing ratio click here

How to apply

New customers

If you do not have an existing account with Al Rayan Bank, you can apply online through our secure online application.

Apply online

Existing customers

If you already hold an account with Al Rayan Bank, you can apply for our current and saving accounts through your existing online banking facility.

Even higher returns

Fixed term deposits from Al Rayan Bank

Up to 2.32%* expected profit rate

Important Notice

CryptoLocker ransomware spreading fast

Important

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Target profit rates