The Alrayan Bank has extremely poor or non existent customer service. They depend too heavily on their App and so if anything goes wrong you will struggle to communicate with anyone. The App plays... See more
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See what reviewers are saying
I opened a new ISA 3 weeks ago but did not appear on my digital app and the money also been taken out. I called few time and spoke with different representatives and no one gave me the satisfactory an... See more
Help with digital login. I would like to thank employee Himanga for his patience in helping me to register online at Al-Rayan Bank today. He was extremely patient and spent a lot of time explaining... See more
Company replied
Sent an email saying that they are closing my instant savings account. Because the savings limit has gone from £5000 to £10000. So if I have under £10,000 pounds in my account they will close. They th... See more
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Company details
Written by the company
Al Rayan Bank, the UK’s largest Sharia compliant bank, has been pioneering British Islamic banking since 2004. The Bank provides personal and commercial savings and finance accounts to customers throughout the UK and GCC. Customers' eligible deposits with Al Rayan Bank are protected by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme, up to a total of £85,000. Al Rayan Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA.
Contact info
United Kingdom
- alrayanbank.co.uk
3.1
Average
1K reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 month
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Al Rayan Bank
Zakariya of Al Rayan Bank was so helpful and patient informing me how to register with digital banking. He even stayed after 5pm and also rang me again. Finally we succeeded. I am forever grateful to Zahariya
February 18, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for your kind words. We're delighted to hear that Zakariya provided you with exceptional service and helped you successfully register for Digital Banking. Your appreciation means a lot to us, and we'll be sure to pass on your gratitude to Zakariya. Thanks for choosing Al Rayan Bank.
Excellent communication skills
Excellent communication skills . Very patient people . Mohamed Baig step by step to open a new account . Well done I recommend people to open account with al rayan .
February 18, 2025
Unprompted review
Reply from AlRayan Bank UK
We appreciate your positive feedback. It's wonderful to know that Mohamed Baig helped make your account opening process smooth. Thank you for recommending Al Rayan Bank to others. Thank you for choosing Al Rayan Bank.
Not serious in UK
No customer service at all takes 30 Min in qué and then operator hangs up
Please stay away
February 18, 2025
Unprompted review
Reply from AlRayan Bank UK
We apologise for the frustration you experienced whilst trying to contact us. Your feedback is important to us. Please visit alrayanbank.co.uk/contact-us to see the best way to reach us.
What a crap service
What a crap service, bad headphones or may be not interested with customer please stay with English banks
February 18, 2025
Unprompted review
Reply from AlRayan Bank UK
We regret that your experience did not meet your expectations, but please rest assured that Al Rayan Bank UK, is a British Bank regulated by UK regulators. If you can provide further information regarding your experience, using the link below, we can investigate.
https://www.alrayanbank.co.uk/feedback-form.
Total failure
Takes hours to get through, then horrible staff fail to listen as there headphones not working, it's no no bank forget this rubbish bank better off with English banks
Total failure
February 18, 2025
Unprompted review
Reply from AlRayan Bank UK
We are sorry to hear about the difficulties you faced. Your feedback is valuable, thank you for letting us know. Please visit alrayanbank.co.uk/contact-us to see the best way to reach us. Also, just to confirm that Al Rayan Bank UK is a British Bank regulated by UK regulators.
Brilliant service
Himanga was brilliant, took his time (73years old) had patience and took me through the process nicely and gently. Can fault the service.
February 17, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for sharing your experience. We're delighted to hear that Himanga provided good service and guided you through the process with patience and care. Your satisfaction is important to us, and we appreciate your kind words. Thank you for choosing to bank with Al Rayan Bank.
The worst…
Everything we have had the worst customer service rude and derogatory talking over a horrible connection mumbling. Stopping elderly and disabled from getting to their money. Stopping transfers because they feel like it. Asking you to send proof when you already have. Running circles around old people to confuse them so they can steal their money.
January 30, 2025
Unprompted review
Reply from AlRayan Bank UK
We apologise for any inconvenience you have experienced. Your feedback is crucial for us to improve our services, and we will take your comments seriously. To help us investigate further, please provide additional details by completing our feedback form.
https://www.alrayanbank.co.uk/feedback-form.
Thank you for sharing your experience.
I had a call with Muhammad Baig and he…
I had a call with Muhammad Baig and he expertly guided me through setting up my account with the app. Thank you Muhammad!
February 13, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for your review. We're pleased to hear that Muhammad Baig guided you through setting up your account with the app. Your appreciation is valued, and we'll make sure to convey your thanks to Muhammad. Thank you for choosing Al Rayan Bank.
Telephone Assistance
Had to call Al Rayan customer service with creating the digital account profile. Mohammad Baig was patient and helpful throughout the process. Thank you!
February 12, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for your great feedback. It's great to hear that Mohammad Baig was able to support you. Thank you for choosing to bank with us.
Diabolical service
Diabolical service
Digital Banking log in failed as account number not recognised
Several phone calls totally ignored
2 official complaints ignored
This bank has £111,000 of mine but not for any longer if I can manage to extract it
I'm now contacting the Financial Ombudsman Service although I have little faith in that
February 12, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for bringing this to our attention. We’re sorry for the frustration you have experienced using our Digital Banking services.
Our complaints team is aware of the complaint that has been raised. We aim to resolve this complaint as quickly as possible. If we can address the concerns straight away and to the customer’s satisfaction, we will send a summary resolution confirming this.
Where we need to look into the matter in more detail, we will send an acknowledgment within five working days via email – if we have these details, otherwise, we will send a letter. This acknowledgment will explain what will happen next. Once we have completed our investigation, we will send a full written response.
We hope this reassures you that this matter will be dealt with.
Many thanks
Polite but inefficient and unresponsive
As executor for my deceased mother, I’ve been trying to get her funds released. I’ve had to chase every step of the way for information, navigating through an impenetrable ‘AI assistant’ each time I call. Despite having provided grant of probate, they asked for more info (that none of her other banks requested) and more than a week later, still no funds transfer. Today, I’ll have to call the AI bot again and witter on until a real person intervenes. Last time I called, a very polite lady apologised, explaining that they were short staffed and experiencing back logs. Al Rayan’s inefficiency has definitely become my burden - all other accounts closed and completed on the sale of a house in the meantime!
February 5, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for sharing your experience with us. We are deeply sorry for the difficulties you have encountered while trying to release your late mother's funds. We understand how frustrating this has been for you, especially during such a challenging time.
Please know that we are here to support you. However, without the full details of your case, we cannot comment specifically on the issues you've faced. If you could contact us using our web form https://www.alrayanbank.co.uk/feedback-form, we will be able investigate the matters that you raised.
Disappointing response time
I wanted to open an account and created an application online nearly 3 months ago. After couple of weeks I got a letter asking to send a signed application along with some documents attested. Took the trouble and got it attested from the post office paying some money.
Posted the documents. No response for few weeks. Then someone called and asked for some additional documents and send by email. I promptly got them attested and emailed. This was around 17/12/2024.
After more than 1 1/2 months (6-7 weeks) today someone calls and ask me to send the same documents by post. I told this is very unprofessional and unexplained delay. I wanted them to send a email. She sends email
Saying my application is expired and if I need to open an account I have to reapply. What a disgrace. They delay without any reason.
Don’t give proper instructions and now they want me to reapply and through the whole process spending more money for attestation and postage. And who know how long more they will take to respond.
This is a very very frustrating situation and utterly unacceptable and unprofessional.
We expect Islamic banks to support the customers but they are totally opposite.
I have decided not to open and account and I would not advise anyone to think of. If there is any authority to escalate this and help make processes easy let me know. As of now Rayan Bank in Uk is a big NO
February 3, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for taking the time to leave a review. We are sorry to hear of the inconvenience you have faced during your account application process. We understand how frustrating this experience must have been for you. To help us investigate further, please provide additional details by calling our Customer Services Team on 0800 4086 407 from Monday to Friday, 9am to 5pm or completing our feedback form.
https://www.alrayanbank.co.uk/feedback-form
Al Rayan Bank Digital Banking System
Following my recent two horrendous experiences with Al Rayan Digital Banking System. Yesterday i had an arranged, exceptional telephone call with Aisha, Customer Services Assistant at Al Rayan Bank with the objective of setting up the re-investment of my FT Bond. I would like to say that, as expected, this telephone consultation went perfectly and Aisha was most professional and helpful throughout. The whole re-investment process was completed in circa 10 minutes without any problems like i had with the highly complex Digital Banking System - Thank you again Aisha for your help in this matter.
January 29, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for taking the time to share your feedback with us. We are delighted to know that Aisha was able to assist you efficiently with your re-investment.
We are continuously working to improve our Digital Banking services, and your feedback is invaluable. If you have any further concerns or need assistance in the future, please do not hesitate to reach out.
Thank you for choosing Al Rayan Bank.
Great bank, but very pre-historic and ancient methods
I have had great experience banking with Al Rayan, I agree with other users, they need to get with the times and allow withdrawals and transfers 24/7. It makes it very hard to use Al Rayan as your main bank because of the limitations in trading hours.
Also, I am trying to get my wife to open an account here but it's become so difficult, the process needs to be more easier and online. I'm having to send ORIGINAL copies of id and proof of address? This is very long and puts me off from sharing the bank to my family and friends. Please, can you improve these two areas of banking. Otherwise i'd have given 5 stars.
January 30, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for sharing your positive experience with Al Rayan Bank and for your valuable feedback. We are pleased to hear that you have enjoyed banking with us.
We understand your concerns regarding the availability of 24/7 withdrawals and transfers, as well as the account opening process. The reason for this is Al Rayan Bank is not a clearing bank. 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.
Don’t bother opening an account
Have had an account with al rayan bank for over 10 years since I was a kid. They use to have a branch over in Edgware Road and was very easy. Since they’ve changed over to just online banking. I must say I’ve never experienced such horrendous customer services and rules etc. I got logged out of my online banking and I cannot seem to log back in. They expect me to send my original copies of ID to gain access to my own bank account. They need to take notes from other online banks such as Monzo / Revolut etc which you can pass security online via uploading ID and taking live pictures. I highly recommend to avoid this bank takes about over 40 minutes to even get connected to a call.
January 29, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for your feedback and for being a loyal customer for over 10 years. We are sorry to hear about your recent frustrations.
We understand how infuriating it can be to get locked out of your account; however, these security measures are in place to protect customers’ accounts and personal information.
Should you need any further assistance, please visit alayanbank.co.uk/contact-us to see the best way to reach us.
Telephone assistance
The assistance from Fozeea on the telephone was first class. She listened carefully to my issue and patiently took me through what I needed to rectify the issue. I was very impressed with Fozeea’s support, she was specific and clear in her instructions. I would recommend the bank without any hesitation.
January 29, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for taking the time to leave a review. We are delighted to hear that Fozeea was able to assist you effectively. It's wonderful to know that you would recommend Al Rayan Bank. Thank you for choosing Al Rayan Bank.
Non-existent service
Trying to close an account for a long time as rates no longer competitive. Sent several secure messages and all ignored. Even sent a letter in the past which was also ignored.
Utterly pathetic bank and non-existent service.
January 23, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for taking the time to leave a review. We are sorry to hear you are experiencing problems while trying to close your account. Please visit alrayanbank.co.uk/contact-us to see the best way to reach us.
When closing your account through secure message, please ensure that you quote the account number of the account you need to close, and if you have never set up a nominated account – the external bank account that you wish any balance to be transferred to.
Regarding your concern about our expected profit rates, we offer a variety of savings accounts with competitive expected profit rates of up to 4.60%. More information on our savings accounts can be found at alrayanbank.co.uk/compare.
DIGITAL SWITH HAS LOST THEM A CUSTOMER OF MANY YEARS…
Al rayan have switched massively to digital banking and that has caused major problems.The sign up process for digital banking is horrendous 4 hours of Internet issues plus authentication process is even worse. I think they expect their customers to own apple mobiles or yesterdays tablet to access their service. After 45 minutes on phone and 3 hours online we eventually gave up and OUR BOND WHICH MATURES IN 10 DAYS WILL NOW BE REINVESTED WITH ANOTHER PROVIDER THAT IS MORE CUSTOMER FOCUSED .Shame really as we have dealt with al rayan for a number of years but the switch to digital has not been thought out properly and the system is VERY POOR
January 27, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for sharing your experience with us. We are sorry to learn that your experiences have been frustrating. To help us investigate further, please provide additional details completing our feedback form.
https://www.alrayanbank.co.uk/feedback-form
Poor transfer policy …
Although this bank society offer good interest rates but their rules to transfer money out is ridiculous, you are not allowed to transfer over the weekend, they work as supermarkets in 1990th,
January 27, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for your feedback. We understand your frustration regarding the restrictions on transferring money over the weekend. The reason for this is Al Rayan Bank is not a clearing bank. 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.
We appreciate your understanding and thank you for choosing Al Rayan Bank.
Probably the worst bank I’ve ever dealt…
Probably the worst bank I’ve ever dealt with, the app is terrible keeps crashing and not intuitive at all! The virtual bot is totally useless, unable to answer the most basic questions. I want to take my money elsewhere but I finding it extremely difficult to get this done as no one is answering the phone lines been on the call for over an hour! They really need to get their customers service system fixed or they’ll be losing customers! Very disappointed!
January 17, 2025
Unprompted review
Reply from AlRayan Bank UK
Thank you for taking the time to provide your feedback. We apologise for the inconvenience you have experienced with our app and customer service. Our lines are open from 9 – 5, Monday to Friday. Monday tends to be the busiest day of the week so you may wish to call on another day of the week.
Your feedback is valuable to us, if you have any further concerns or need assistance, please visit our feedback form at https://www.alrayanbank.co.uk/feedback-form.
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