Digital banking

Important: withdrawing your funds alone will not close your personal Current Account

At Al Rayan Bank, we're committed to ethical and environmentally responsible banking practices. We're continually working to reduce our environmental impact, and we invite you to be a part of this journey.

Transitioning to paperless statements

In line with our sustainability goals, we have recently introduced a change in how we deliver your account statements.

All Digital Banking customers, who haven't already made the switch, will be moved to paperless statements by 2024.

What to expect from paperless statements

Rest assured, your current and savings account statements will continue to be generated monthly and quarterly, just as they always have been. The only difference is that you'll access them through our Digital Banking platform instead of receiving physical copies by post.

To access your statements in Digital Banking, simply follow these three easy steps: 

1.    Log into Digital Banking using either the Mobile Banking app or the Desktop portal.

  

2.    Select the account for which you wish to view statements. You can easily do this through the 'Account Summary' screen or by tapping the 'Accounts' option in the bottom menu.

 

3.    Choose 'Statements' from your account options. From here, you can download statements dating back the past 12 months.

The choice is yours

The decision to go paperless is entirely up to you. If you ever wish to return to receiving paper statements by post, you can do so at any time by following the same instructions mentioned above. Simply turn off the 'paperless statements' option, and your statements will resume being sent to your registered address monthly and quarterly, just as before.

We offer you the best expected profit rate available during the loyalty rate window. This window runs from 19 days before your maturity date up to 15 days post maturity. If the expected profit rate increases after your maturity date but within the 15 days post maturity, your rate will automatically be increased.

If you request a return or do not respond before the maturity date, your funds will be automatically returned to the nominated account you supplied when the Fixed Term Deposit was opened on its maturity date.

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If your Fixed Term Deposit (FTD) is due to mature within the next 12 months, you’ll receive a communication approximately 60 days before your maturity date to inform you of the changes to the reinvestment process. 

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To view the notification regarding your account maturity, log in to Digital Banking. The notification banner will appear on the first page, specifically 15 days before the maturity date. 

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Before starting your Fixed Term Deposit reinvestment, please ensure that you have a nominated account set up.  A nominated account is a UK bank or building society current account in your name, to which your Fixed Term Deposit will be paid when you withdraw it. If needed, you can exit the Fixed Term Deposit application at any point to set up the nominated account. Once completed, you can resume your application. 

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1.  App Installation and Security

Ensure that you have the latest app installed and that your phone operating system is up to date. Our Digital Banking App is compatible with Android 11 and above, and iOS 15 and above.

2. Check the Date

Note that the notification banner appears only 15 days before your maturity date.

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For App users:

• App Installation and Security: Ensure that you have the latest app installed and that your phone operating system is up to date. Our Digital Banking App is compatible with Android 11 and above, and iOS 15 and above.
• Nominated Account Setup: Confirm that you have set up your nominated account.

For Desktop Portal users:

• Clear Cache and Cookies: Delete cache and cookies from your web browser.
• Try a Different Browser: If the issue persists, try using a different web browser. 

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If you are a joint account holder, please verify that you have the latest app installed and ensure that your phone software is up to date. Our Digital Banking App is compatible with Android 11 and above, and iOS 15 and above. If you are reinvesting via the Desktop Portal, please clear your cache and cookies. Whether you are reinvesting using our Digital Banking app or the Desktop Portal, make sure to set up your nominated account.

Find out more

You can now reinvest your Fixed Term Deposit (FTD) through Digital Banking.  Watch this short video to see how:

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 version 15 or above for iOS and version 10 or above for Android.

You can apply a notice through Digital Banking, by phone or by writing to us. To apply the notice through Digital Banking, follow the following steps:

• 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.

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?

• Download and install the mobile app via the App Store or Google Play
• When the app is downloaded and installed, click on New Registration and you’ll be asked to prepare your personal details and security questions.
• When these are completed, you’ll be asked if you want to register via Face ID or with User Details.

Face ID

• You’ll be asked to either scan your driving licence or passport, as part of the face recognition process. When this is completed, you’ll then be asked to go through the face scanning process where you’ll be asked to follow a number of onscreen instructions.
• Once the face scan has been accepted a One Time Passcode (OTP) will be sent to your registered mobile number for you to input where and when prompted. You then simply confirm Device Registration via the onscreen button.
• You will then be prompted to define your Username, Password and Passcode.

User Details

• You’ll be prompted to enter your First Name, Last Name, Date of Birth and your Account Number, then a series of security questions.
• When successful a One Time Passcode (OTP) will be sent to your registered mobile number for you to input where and when prompted. You then simply confirm Device Registration via the onscreen button.
• You will then be prompted to define your Username, Password and Passcode.

If you have any issues with registration, please call us on 0800 694 7193.  Lines are open Monday to Friday 9am to 5pm.

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 408 6407. Lines are open Monday to Friday 9am to 5pm.

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.

• From the home page (Account summary) open up the side bar by selecting the Menu (top left hand corner)
• Select Reset password and follow the on screen instructions.
• This function can also be accessed via the Profile button on the bottom bar.

When using the app on a larger screen.

• From the home page (Account summary) open up the side bar by selecting the Menu (bottom left hand corner)
• Select Reset password and follow the on screen instructions.
• This function can also be accessed via the Profile button on the bar on the left hand side of the screen.

Currently, we only process external payments on a business working day. The daily limit for personal customers is £20,000 and £250,000 for business customers. Please note that external payments made over the weekend or bank holiday will be processed on the next business working day, and those payments will be subject to that business working day’s 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.

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

• From the home page (Account summary) open up the side bar by selecting the Menu (top left hand corner)
• Select Secure messages.
• Select Add (top right hand corner)
• Select a Department you want to send the message to
• Chose a Subject
• Select Create and type in your message (which will appear in the bar at the bottom of the screen
• Select the Arrow next to the message to send.

When using the Desktop Portal

• From the home page (Account summary) open up the side bar by selecting the Menu (bottom left hand corner)
• Select Secure messages
• Select Add (top right hand corner of the Secure message panel)
• Select a Department you want to send the message to (from the right hand panel)
• Choose a Subject
• Select Create and type in your message (which will appear in the bar at the bottom of the screen
• Select the Arrow next to the message to send.

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

• From the home page (Account summary) select Payments from the bar at the bottom of the screen.
• Choose an Account you want the payment to be made from
• Select an Account you want to money to go to (your options will be displayed), or select from the list Payees displayed. (You can add a payee here by selecting add payee and follow the on screen instructions).
• Input the Amount
• Add a Reference for the payee and yourself, should you wish
• Select a Date you want the payment to be made. Note: This can be immediately or a date in the future by selecting Date.
• Review the information and swipe right at the bottom of the screen to confirm the payment

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.

• Select an Account you want to money to go to (your options will be displayed), or select from the list Payees displayed. (You can add a payee here by selecting add payee and follow the on screen instructions).
• Input the Amount
• Add a Reference for the payee and yourself, should you wish
• Select a Date you want the payment to be made. This can be immediately or a date in the future by selecting Date.
• Review the information and swipe right at the bottom of the screen to confirm the payment.

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 Mobile Banking app on a smartphone.

• From the home page (Account summary) open up the side bar by selecting the Menu (top left hand corner)
• Select View Payees
• Select Add payee and enter the details requested on the screen.
• Click Save.
• Confirm set up by either a thumbprint or PIN, depending on what device you are using.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) open up the side bar by selecting the Menu (bottom left hand corner)
• Select View Payees
• Select Add payee and enter the details in the panel on the right hand side
• Click Save.
• Confirm set up by either a thumbprint or PIN, depending on what device you are using.

When using the Mobile Banking app on a smartphone.

• From the home page (Account summary) select a Current Account
• Select Direct Debits from the actions bar half way down the screen.
• If there are any Direct Debits these will be displayed.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select a Current Account
• Select Direct Debits from the actions bar half way down the screen.
• If there are any Direct Debits these will be displayed.

When using the Mobile Banking app on a smartphone.

• From the home page (Account summary) select a Current Account that has a Direct Debit associated with it.
• Then select Direct Debits from the actions bar, a list of current Direct Debits will now appear.
• Select the one you want to cancel by placing your finger on it and Swipe left.
• Confirm cancelation by selecting Yes.
• Your Direct Debit will now be canceled.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select a Current Account that has a Direct Debit associated
• Then select Direct Debits from the actions bar [A list of Direct Debits will now appear within the panel on the right hand side of the screen].
• Select the one you want to cancel by clicking on the Trash can icon
• Confirm cancelation by clicking Yes.
• Your Direct Debit will now be canceled.

When using the Mobile Banking app on a smartphone.

• From the home page (Account summary) select a Current Account and then select Standing orders from the actions bar half way down the screen.
• Select Add (top right hand corner)
• Then select an Account you want your money to go to (your options will be displayed), or select from the list of Payees displayed. (You can add a new payee here by selecting add payee and follow the on screen instructions).
• Input how much you want to pay
• Followed by the Start date
• Then select the Frequency of payments
• Decide when you’d like the payments to stop
• Add a Reference for you and the payee.
• Review the payment
• Swipe right at the foot of the screen to confirm payment.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select a Current Account and then select Standing orders from the actions bar.
• Select Add standing order (top right hand corner) within the right hand panel
• Then select an Account you want your money to go to (your options will be displayed), or select from the list of Payees displayed. (You can add a new payee here by selecting add payee and follow the on screen instructions).
• Input how much you want to pay
• Followed by the Start date
• Then the Frequency of payments
• Decide when you’d like the payments to stop
• Add a Reference for you and the payee
• Review the payment
• Click confirm to confirm the payment.

When using the Mobile Banking app on a smartphone.

• From the home page (Account summary) select a Current Account that has a standing order associated with it
• Select Standing orders from the actions bar. A list of current standing orders will appear.
• Select the one you want to cancel by placing your finger on it and swiping left
• Confirm cancelation by selecting Yes.
• Your standing order will now be canceled.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select a Current Account that has a standing order associated with it
• Select Standing orders from the actions bar. A list of current standing orders will appear within the panel on the right hand side of the screen.
• Select the one you want to cancel by clicking on the Trash can icon
• Confirm cancelation by clicking Yes.
• Your standing order will now be canceled.

When using the Mobile Banking app on a smartphone.

• From the home page (Account summary) select the account you want to set up a notification for
• Select Notifications from the actions bar.
• Select the Add notification button at the top right hand corner of the screen.
• Select Set an alert
• Choose one of the alert options provided
• Select the Alert method and then the last couple of questions (depending on which event you have selected).
• Select Save to confirm your notification.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select the account you want to set up a notification for
• Select Notifications from the actions bar.
• Select Add notification button at the top right hand corner of the panel to the right of the screen.
• Select Set an alert
• Choose one of the alert options provided
• Select the Alert method and then the last couple of questions (depending on which event you have selected).
• Select Save to confirm your notification.

When using the Mobile Banking app on a smartphone.

• From the home page (Account summary) select the account that has the notification you want to edit
• Select Notifications from the actions bar and all your notifications for this account will be shown.
• Click on the pen icon and then you’ll be able to amend and edit certain parts of the notification.
• Click Save to confirm.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select the account that has the notification you want to edit
• Select Notifications from the actions bar and all your notifications for this account will be shown within the panel on the right hand side.
• Click on the pen icon and then you’ll be able to amend and edit certain parts of the notification.
• Click Save to confirm.

When using the Mobile Banking app on a smartphone

• From the home page (Account summary) select the account that has the notification you want to cancel
• Select Notifications from the actions bar and a list of current notifications will appear.
• Select the one you want to cancel by placing your finger on it and swipe left.
• Confirm cancelation by selecting Yes.
• Your notification will now be canceled.

When using the Desktop Portal on a larger screen.

• From the home page (Account summary) select the account that has the notification you want to cancel
• Select Notifications from the actions bar and a list of current notifications will appear within the panel on the right hand side.
• Select the one you want to cancel by clicking on the Trash can.
• Confirm cancelation by selecting Yes.
• Your notification will now be canceled.

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 be presented with a list of your historical statements.

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 Mobile Banking app on a smartphone.

• From the home page (Account summary) select Home Purchase Plan
• Select Information from the action bar.
• Select the information that is then displayed on the screen and further information will appear at the foot of the screen.
• View more information by holding and swiping upwards.

When using the Desktop Portal on a larger screen

• From the home page (Account summary) open up the side bar by selecting the Menu (bottom left hand corner)
• Select View Payees
• Select Add payee and enter the details in the panel on the right hand side
• Click Save.
• Using your phone scan the Cronto code displayed on the screen using your phone and then confirm by swiping left to right at the bottom of the screen on your phone.

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.

IMPORTANT: Your account number should be entered as a single string of numbers only, removing any other characters.