AlRayan Bank UK Reviews 1,199

TrustScore 3.5 out of 5

3.6

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Review summary

Based on reviews, created with AI

Most reviewers were somewhat happy with their experience overall. People appreciate the high level of support and professionalism demonstrated by the staff. Consumers highlight the kindness and patience of the employees when resolving their issues. Many reviewers express their gratitude towards specific employees, mentioning their names and praising their efficiency in solving problems. Customers appreciate the clear guidance and step-by-step assistance provided. However, some users report negative experiences, mainly related to the mobile application. Reviewers find the app difficult to use, citing issues with logging in, resetting passwords, and a generally poor user interface. Some consumers express frustration with the online banking system, particularly with the registration process and technical glitches. A few reviewers mention long waiting times when contacting customer service by phone.

Based on these reviews

Rated 4 out of 5 stars

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 m... See more

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Rated 4 out of 5 stars

Muhammad .B was professional, courteous, and knowledgeable, making the entire process smooth and efficient. He took the time to explain all my options clearly and answered all my questions patiently.... See more

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Rated 4 out of 5 stars

Customer service provided by Muhammad B was very good. He was very patient and helped me resolve my issues. The only disappointment is with the mobile banking system of Al Rayan Bank as a whole, the u... See more

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Rated 4 out of 5 stars

We applied for one of the home purchase plans recently. Primarily we were managed by Ahmed Chowdhury with our application. Genuinely was very helpful to us in the whole process. If you have him workin... See more

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Rated 5 out of 5 stars

Muhammad Baig was amazing at assisting me to help me with my log in as I forgot my details. He was very patient and understanding. I hope he gets a bonus!

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Rated 5 out of 5 stars

I have been an account holder with this bank. They offer very competitive rates however I forgot the details to log in etc as I did not use it for nearly a year! I spoke Mr Himanga and he guided me s... See more

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Rated 5 out of 5 stars

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

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Rated 5 out of 5 stars

Al Rayan bank have been helpful and in particular Muhammad Baig as an advisor! He helped to rush though some paperwork for my elder mother! She is nearly 90 and doesn’t do online banking but we fou... See more

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Rated 5 out of 5 stars

Muhammad Baig was very helpful with assisting me retrieve my important information. He stayed with me on call while I logged in & was able to talk me through the process on the website. I would not ha... See more

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Rated 5 out of 5 stars

Fozia Jabeen answered my call today and guided me very patiently through all of my issues with my banking, which no-one else has managed after several calls over the last 2 months. Very kind, patient... See more

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Rated 5 out of 5 stars

I spoke to Fauzia/Fawzia today Customer advisor on the telephone for al Rayan bank She was super professional, helpful and efficient. Helped me solve my problem quickly and removed my anxieties.... See more

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Rated 5 out of 5 stars

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... See more

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Rated 5 out of 5 stars

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 sup... See more

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Rated 5 out of 5 stars

I recently encountered an issue with my account being locked and reached out through the bank’s phone line. The service we received was outstanding. The assistant, Muhammad Baig, was prompt, pol... See more

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Rated 5 out of 5 stars

Excellent customer service. Mr Muhammad Baig was the advisor I spoke with re mobile app,he talked me through the process and helped reactivating the app. stayed with throughout the process and finally... See more

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Rated 5 out of 5 stars

Return call after phone issue moved to call to a higher level. Contact Nazmin corrected on line issues and followed with information via post. Excellent service. Many thanks

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Rated 5 out of 5 stars

Very useful from muhammad baig helped me throughout the whole call due to an error in my phone number on my bank. Absolutelu amazing customer service experience.

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Rated 2 out of 5 stars

The staff are very pleasant but ... I've just spent an hour trying to access my on-line account for a statement of profit for 2024-25, but couldn't get the website to recognise my password. So I r... See more

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Rated 5 out of 5 stars

I would like to express my thanks to a your employee Himanga, who helped me to re -invest and sign up to digital banking. He was very helpful and patient.

Company replied

Rated 5 out of 5 stars

I would like to say a massive thank you to all of the staff who are very helpful in particular Sana Naveed who is efficient, polite and just generally always willing to help. I have a extremely posit... See more

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Rated 5 out of 5 stars

opened my accont a year ago, the app isnt great so many little quirks couldnt log in, I called support and Muhammad Baig helped me with the whole process and also all of my enquiries were ressolved.... See more

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Rated 5 out of 5 stars

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 .

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Rated 5 out of 5 stars

The customer service I received was amazing. Honestly the level of service delivered was extraordinary to insure all my issues are solved. Thank you Shazia Raza and thank you Alrayan Bank.

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Rated 5 out of 5 stars

Today , I spoke to Dounia Rashid. She was very helpful I called the bank a few times and no one helped me. They kept on saying we will get back to you they never did. I spoke to her and she put me o... See more

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Rated 5 out of 5 stars

I wanted to open a fixed rate bond and downloaded their app on my phone to do this. I managed to open my new bond, but couldn't download the welcome letter and form as requested. However, the next day... See more

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Rated 5 out of 5 stars

Very outstanding services I really appreciate their helpful approach. After many attempts in the past few weeks to fix the online banking Mr Bahjat has spent more than an hour to sort out the issue an... See more

Rated 5 out of 5 stars

I have a HPP and current accounts with the bank, and must say the customer service is great. The app works as well as other high street banks, and I have been given support when I have needed it. In p... See more

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Rated 5 out of 5 stars

We have been extremely impressed by the service provided by Fawad. Nothing has been too much trouble for him, he has consistently kept us up-to-date and I would recommend Al Rayan and Fawad to everyon... See more

Rated 5 out of 5 stars

It has been a wonderful experience buying a house through the Home Purchase Plan scheme offered by Al Rayan Bank. The staff are highly professional and the journey until completion was absolutely pl... See more

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Rated 5 out of 5 stars

Despite all the negative comments we had heard, we put our trust in Allah and decided to get in touch with Al Rayan for HPP. The process was smooth and thanks to Fawad Awan, one of the business develo... See more

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Rated 5 out of 5 stars

I spoke to Priti this morning.I have had a series of problems since June in setting up a cash ISA transfer. I got a bit upset and Preti was very comforting and reassuring. I hope now that all the pr... See more

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Rated 2 out of 5 stars

Totally distrought with the mobile app, also tried to use on desktop with authenticator app but when trying to use the coloured QR code it fails with error code 4999/0999 I am now trapped and cant a... See more

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Rated 2 out of 5 stars

Unfortunately, I simply can't recommend Al Rayan Bank. There are one or two helpful staff, but overall the experience falls way short of the customer service one expects from a bank in the UK. It seem... See more

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Rated 2 out of 5 stars

I wrote a review about a year ago with how happy I was with the bank. But after trying to register with mobile banking for 2 days and it not being successful, I have been left disappointed at how much... See more

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Rated 4 out of 5 stars

Quietly impressed with the service from this Bank....after much deliberation decided to take the plunge and invest with them. The friendly, helpful and professional support I've had from them has been... See more

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Rated 4 out of 5 stars

Was expecting a long wait after reading reviews but alone and dusted after 15 minutes by an extremely courteous and professional lady I recently couldn’t get through to a well known high street bank a... See more

Rated 2 out of 5 stars

As I customer I was looking for people on the phone to be polite and war and welcome I didn't get that service today sadly I spoke to sadeka and it's almost like she didn't have the time or had someth... See more

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Rated 4 out of 5 stars

Holo My Name is Abdul Gani 04.may 2020 i am spoke with one lady she name is Fareha Manzoor excellent service and good communication would certainly recommend the staffwas very personable Too much s... See more

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Rated 4 out of 5 stars

Thank you Shaheen for your professional and warm customer service. I normally find Al Rayan service frustrating as they take things too long or don't bother to give the requested details I needed.... See more

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Rated 2 out of 5 stars

I spoke with Alina today, who was most patient & helpful - bless her. However, it seems that there is a "technical issue" regarding my hard device for online banking, which is extremely annoying. Al... See more

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Rated 4 out of 5 stars

Can't say I have always been happy with the administrative part of this bank in the past. However, my last call to them illustrates how one outstanding employee makes all the difference. A woman cal... See more

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Rated 2 out of 5 stars

Been with this bank for 8 years and it's been nothing but incompetence. Because I'm Muslim I give them chances but this new app is the straw that broke the camels back , it doesn't work on my phone... See more

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Rated 4 out of 5 stars

4 stars because sometimes it takes extremely long for me to get through on the call line... have had to wait for up to 45 min in the past. However, today I was served by Shahin and she was absolutely... See more

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Rated 4 out of 5 stars

As a Buisiness Account holder, it is imperative that I can get the help needed to carry out daily business tasks. Head office were not able to help but Maleesa at the Whitechapel Branch with the help... See more

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Rated 2 out of 5 stars

A/S. I will try to break this review down in two sections... Normal banking and Sharia home finance. Normal banking is great, people are helpful, kind and professionals. Sharia home finance off... See more

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Rated 4 out of 5 stars

Had to call customer service to register my Rayan Bank mobile App - the toughest app to install ever !!!!….but the staff Mr Shaheen was brilliant at the other end of my phone and worked with me throug... See more

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Rated 4 out of 5 stars

Reference my previous comments . HOW WRONG CAN YOU BE !!!. Everything went through 100%. at applied for rate. Received letter this morning , Confirming £85,000 to cash ISA .1.2%....Would UK. BANK HAV... See more

Rated 2 out of 5 stars

Ridiculous that I can access my account on my PC but am not recognised as a customer trying to register on the Al Rayan app. I haven't even had any response to several secure emails I have sent them.... See more

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Rated 5 out of 5 stars

The customer service was good as a result I have upgraded Al Rayan Bank UK to 5 star. Issue with app resolved. absolutely rubbish....unable to select date of birth manually you have to select b... See more

Company replied

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Company details

  1. Bank

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

3.6

Average

TrustScore 3.5 out of 5

1K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 93% of negative reviews

Typically replies within 2 weeks


Rated 5 out of 5 stars

Outstanding customer service

The helped I recieved today from Sister Fozeea was amazing. Sister was very calm and patient talking me though various screens. She was very polite and assisted me fully in resolving the issue I had with my digital banking account.

October 27, 2025
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Rated 1 out of 5 stars

They emailed me today to inform me that…

They emailed me today to inform me that if my balance is less than £100 on my savings account, they're not going to bother to tell me if the rate on the account changes.

Seriously?
You've bothered to write computer code to only send email notification if the balance is more than £100 in a savings account. Why don't you simply notify the holder of every open account? It's not as if sending emails costs anything.

There's something seriously wrong with this bank.

October 22, 2025
Unprompted review
Rated 5 out of 5 stars

Brilliant customer service & helpful!

Muhammad Baig was amazing at assisting me to help me with my log in as I forgot my details. He was very patient and understanding. I hope he gets a bonus!

September 16, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for taking the time to share your experience. We're very happy to hear that Muhammad Baig was able to assist you so effectively. We'll be sure to pass on your lovely feedback to him.
If you ever need further assistance, we're always here to help and thank you for choosing AlRayan Bank.

Rated 5 out of 5 stars

Improved Mobile App

The improvements on the mobile app and desktop portal have made online banking a seamless experience!

September 12, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your fantastic feedback. We're delighted to hear that the recent enhancements to Digital Banking have made your life easier. It's great to know the updates are making a real difference for our users.

Rated 5 out of 5 stars

Service should be like this!!

I have been an account holder with this bank. They offer very competitive rates however I forgot the details to log in etc as I did not use it for nearly a year!
I spoke Mr Himanga and he guided me step by step to recover the details. He was very polite, understanding and friendly such that I felt comfortable and not rushed. He is truly a credit to his bank and deserves a thank you and well done.

September 1, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your kind words and for taking the time to share your experience with us. We're delighted to hear that you found our expected profit rates competitive and that Himanga was able to support you so effectively.
If there's anything else we can help with, please don’t hesitate to reach out. Thank you for choosing AlRayan Bank.

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Rated 1 out of 5 stars

I tried to open a savings account…

I tried to open a savings account today, but the customer service representative informed me that the bank had declined my request without providing any reason. I have accounts with a few other banks and the process there was friendly and straightforward, but this experience has been very frustrating. I'd not recommend this bank.

August 28, 2025
Unprompted review
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Reply from AlRayan Bank UK

Ashrof, thank you for your review.

AlRayan Bank, like all UK banks, carries out a series of checks when processing account applications. On occasion, and for a variety of reasons, we may be unable to proceed with an application. This outcome is not a reflection on the applicant personally, but rather an indication that one or more of the criteria required to open an account have not been met. We trust this provides some clarity.

Rated 5 out of 5 stars

Oliver Legatt was very helpful

Oliver Legatt was very helpful , explained the contract very patiently and clearly !

August 7, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for taking the time to share your experience, we're delighted to hear that Oliver was so helpful - thanks for choosing AlRayan Bank.

Rated 5 out of 5 stars

Muhammad Baig

Muhammad Baig was very helpful with assisting me retrieve my important information. He stayed with me on call while I logged in & was able to talk me through the process on the website. I would not have been able to do it without him! He was extremely patient & kind.

July 28, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your review. We're very pleased that Muhammad was able to assist you. Thanks for choosing to bank with us.

Rated 5 out of 5 stars

Internet Banking

I have been having login app issues with my new phone. I called the bank and spoke to Muhammad B. He was able to resolve the issue with a few steps.

Many Thanks

July 24, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your feedback. We're pleased to hear that Muhammad B was able to resolve your login issue quickly and efficiently. We understand how frustrating technical problems can be, and it's great to know Muhammad provided the support you needed. We'll pass on your kind words to him. Thank you for choosing AlRayan Bank.

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Rated 5 out of 5 stars

Muhammad Baig was excellent in setting…

Muhammad Baig was excellent in setting up my account. Made it very easy and enjoyable.

July 23, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your lovely review. We're delighted to hear that Muhammad Baig made your account setup experience smooth and enjoyable. Providing excellent service is what we strive for, and it's wonderful to know Muhammad delivered just that. We appreciate you taking the time to share your experience. Thank you for choosing AlRayan Bank

Rated 5 out of 5 stars

Excellent Service from Online Support

I recently encountered an issue with my account being locked and reached out through the bank’s phone line. The service we received was outstanding. The assistant, Muhammad Baig, was prompt, polite, and extremely efficient in resolving the issue. He guided us through the verification process clearly and patiently, and within a short time, our account was fully accessible again.

It was reassuring to receive such knowledgeable and courteous support, especially during a potentially stressful situation. We're very grateful for the help and impressed with the professionalism shown throughout.

Highly recommend the bank’s online support team—truly first-class service.

July 22, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your fantastic feedback. We’re pleased to hear that Muhammad Baig provided such prompt, polite, and efficient support when your account was locked. It’s great to know he guided you through the verification process with clarity and patience, helping to resolve the issue quickly.
We understand how stressful these situations can be, so it’s especially rewarding to hear that you felt reassured and well-supported throughout.
Thank you for choosing AlRayan Bank.

Rated 5 out of 5 stars

Efficient customer service

Muhammad Baig was very helpful and patient in resolving my query with logging into my online account following the rebrand.

July 22, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your kind feedback. We’re glad to hear that Muhammad Baig was able to support you with logging into Digital Banking following the rebrand. His patience and helpfulness truly reflect the level of service we strive to provide. Thank you for choosing AlRayan Bank.

Rated 5 out of 5 stars

Very useful from muhammad baig helped…

Very useful from muhammad baig helped me throughout the whole call due to an error in my phone number on my bank. Absolutelu amazing customer service experience.

July 21, 2025
Unprompted review
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Reply from AlRayan Bank UK

We’re pleased to hear that Muhammad Baig provided such excellent support during your call, it’s great to know he made the experience smooth and reassuring for you.
Thank you for taking the time to share your experience and choosing AlRayan Bank.

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Rated 1 out of 5 stars

Soo awful the customer service are no…

Soo awful the customer service are no help they can’t even upgrade for an account you want plus you can never take your money out on the weekend or bank holiday.

July 18, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for sharing your feedback.
We’re sorry to hear that you are unhappy about your experience. To clarify our payment times, UK payments go through the same day if made by 5pm, and international ones by 3:30pm. If you miss the cut-off, it rolls over to the next working day. Incoming payments are processed if they arrive by 7pm. Transfers between your own accounts are instant, as long as there’s enough money.
Like all UK banks, all payments go through checks, so there might be the occasional delay.
Hopefully this helps explain our payment timings. More information is available on our website also.

Rated 5 out of 5 stars

Helpful employee.

I would like to express my thanks to a your employee Himanga, who helped me to re -invest and sign up to digital banking. He was very helpful and patient.

July 14, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your kind words. We're delighted to hear that Himanga was able to assist you with reinvesting and getting set up with Digital Banking.
If there’s anything else we can help you with, please don’t hesitate to reach out.

Rated 5 out of 5 stars

I would like to say a massive thank you…

I would like to say a massive thank you to all of the staff who are very helpful in particular Sana Naveed who is efficient, polite and just generally always willing to help.
I have a extremely positive experience with Al Rayan bank

July 14, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your kind words and sharing your experience with AlRayan Bank. We're delighted to hear that you've had such a positive experience with Sana and the team.
If there’s anything more, we can do for you, please don’t hesitate to get in touch. Thank you for choosing AlRayan Bank.

Rated 5 out of 5 stars

Help with digital login.

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 everything to me (first to admit I'm technologically challenged) .Thank you again, you're an extremely good ad for your business.

July 8, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for taking the time to share your feedback.
We understand that navigating digital platforms can sometimes be challenging, and we're so pleased that Himanga was able to provide the patience and support you needed. We’re here to help.
Thank you for choosing AlRayan Bank.

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Rated 4 out of 5 stars

Service

Muhammad .B was professional, courteous, and knowledgeable, making the entire process smooth and efficient. He took the time to explain all my options clearly and answered all my questions patiently. Overall, their excellent customer service left a very positive impression.
One downside of this bank is that it does not offer a bank card option and lacks weekend service, which can be inconvenient for customers needing flexible access.

July 3, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you for your thoughtful feedback. We're pleased to hear that Muhammad provided you with professional, courteous, and knowledgeable service. It’s great to know he made the process smooth and efficient, and that he took the time to explain your options clearly.
We do offer a Mastercard with our Current Account, but not with our savings account. However, you can transfer to your nominated account using Digital Banking.
Thank you again for taking the time to share your experience and choosing AlRayan Bank.

Rated 1 out of 5 stars

Worst possible bank I’ve ever come…

Worst possible bank I’ve ever come across, no online banking for over 2yrs not even the IT department could sort it out. Did not accept payments from oversea - tried very hard to be patient then eventually lost it and had to leave. Definitely do not recommend. I ignored all the bad press but it was all true and it not a good place for business banking

August 1, 2024
Unprompted review
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Reply from AlRayan Bank UK

Thank you for taking the time to share your feedback. We're sorry to hear that your experience did not meet expectations, particularly in relation to online banking and international payments.
We take concerns like these seriously and would like the opportunity to look into this further. However, we’ve been unable to locate any account or correspondence under the name provided. If you could share a few more details with us privately, we’d be happy to investigate and work towards a resolution.
We appreciate your input and hope to hear from you soon.

Rated 5 out of 5 stars

Friendly staff,helpful staff(Fauzia)…

Friendly staff,helpful staff(Fauzia) Assisted with my banking query- transferring money between accounts

June 27, 2025
Unprompted review
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Reply from AlRayan Bank UK

Thank you so for your kind words. We're happy to hear that you had a positive experience with Fauzia. If you ever need further help, please do not hesitate to contact us again. Thank you for choosing AlRayan Bank.

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