al rayan — Online banking is being switched off

Wheres_My_Cashback

xylophone said:

Has anyone any idea what they are proposing for those not fortunate enough to be able to afford the latest model of mobile phone?

I understand that you will need to request a "token" - similar to HSBC's effort I think - it will arrive in the post and need to be registered and will enable the use of desktop/laptop.

I'm hearing that customers will have to request a QR scanning device to enable use of the token to gain desktop access.
You cannot generate a token without one.

pafpcg

ortolickus said:

xylophone said:

Has anyone any idea what they are proposing for those not fortunate enough to be able to afford the latest model of mobile phone?

I understand that you will need to request a "token" - similar to HSBC's effort I think - it will arrive in the post and need to be registered and will enable the use of desktop/laptop.

I do hope you are correct. There was no information to this effect that i could see on their website. I tried to complain via a secure message, but having written it all out the system hung and then finally timed out. Luckily, i half expected it and i copied the complaint into notepad so i will have another go. My Landline battery flattened as i waited to ring them :-(

Not everyone owns a ******* smartphone. When i opened my two savings accounts, they didn't say that i would have to buy a smart phone to access them. If they had i would not have opened them.

I agree with both your points. 
My complaint also seemed to go into a "black hole".  It's outrageous giving us only seven days notice.

My partner has great difficulty with using smartphones - not only are we "getting on a bit", but she has poor eyesight and arthritis in her fingers; she can manage with a big PC screen and a decent keyboard with tactile & audible feedback (a couple of 30-year old IBM keyboards), but tiny touchscreen "virtual keyboards" are hopeless.

I had a go at the app but like countless others leaving feedback on Google Play, it worked on recognising the user identity and accepted the "create user" data, but when it proceed to "user login" it failed and dropped right back to the first stage, asking for the user identity to be set-up again.  It surprises me that any management team competent enough to run a banking operation should proceed with this switchover when the replacement seems so fraught with problems.  I think someone else will need to be calling in IBM....

mrchagle

I received the email today, download the App (iOS) and registered. Everything worked as it should. 
I don't hold the bulk of my savings in Al Ryan, but my rate is still 1.6%, for the Everyday Saver. I'm considering putting more money into this as I've never had any issues with them. I know they are protected etc. does anyone else have good vibes around Al Rayan?

Wheres_My_Cashback

mrchagle said:

I received the email today, download the App (iOS) and registered. Everything worked as it should. 
I don't hold the bulk of my savings in Al Ryan, but my rate is still 1.6%, for the Everyday Saver. I'm considering putting more money into this as I've never had any issues with them. I know they are protected etc. does anyone else have good vibes around Al Rayan?

Unfortunately not, it's just the rate that does it for me, nothing more.
Two weeks ago I set up 2 future payments to external accounts using the app, both were confirmed as set up to go on the 2 dates chosen. Al Rayan failed to make both payments due tech issues with the app ! I complained, they compensated me (well) admitting the app was having problems.
Fast forward 2 weeks and there are hundreds with problems if you read the app reviews. Clearly digital banking is not their forte, maybe that's why their rates are higher than others, it's the only way they can get customers. They won't be keeping them if they don't sort their mess out !

colsten

God help us. They have more maintenance at the weekend. After the last maintenance, my app stopped working for a fortnight.

mrchagle

Wheres_My_Cashback said:

mrchagle said:

I received the email today, download the App (iOS) and registered. Everything worked as it should. 
I don't hold the bulk of my savings in Al Ryan, but my rate is still 1.6%, for the Everyday Saver. I'm considering putting more money into this as I've never had any issues with them. I know they are protected etc. does anyone else have good vibes around Al Rayan?

Unfortunately not, it's just the rate that does it for me, nothing more.
Two weeks ago I set up 2 future payments to external accounts using the app, both were confirmed as set up to go on the 2 dates chosen. Al Rayan failed to make both payments due tech issues with the app ! I complained, they compensated me (well) admitting the app was having problems.
Fast forward 2 weeks and there are hundreds with problems if you read the app reviews. Clearly digital banking is not their forte, maybe that's why their rates are higher than others, it's the only way they can get customers. They won't be keeping them if they don't sort their mess out !

Thanks for the feedback and warning. 

I think apart from the tech issues which I do hope AR truly learn from are you happy with your money being with them rather say a mainstream institution?

d63

. . . and no doubt as soon as this secure key token / QR reader business does eventually get sorted, they will promptly go and reduce the interest rate like everyone else is doing. maybe its better to jump ship now and avoid all the hassle? well, apart from the hassle of finding someplace to transfer the funds to of course. heavens! was it really only last september they started this everyday saver account? seems like forever rather than only 6 months or so

[edit: oops! for, 'interest rate' read, 'expected profit'.]

Vortigern

If you've not had the email yet, check your spam folder. That's where mine was.

Biggus_Dickus

d63 said:

. . . and no doubt as soon as this secure key token / QR reader business does eventually get sorted, they will promptly go and reduce the interest rate like everyone else is doing. maybe its better to jump ship now and avoid all the hassle? well, apart from the hassle of finding someplace to transfer the funds to of course. heavens! was it really only last september they started this everyday saver account? seems like forever rather than only 6 months or so

[edit: oops! for, 'interest rate' read, 'expected profit'.]

Give it another 2 weeks and I’d imagine the rate will dip to 1.45% or thereabouts,...same as Marcus.

My email (and my wife’s email) both arrived this morning;...just 5 days to sort out mobile App banking before online access is terminated completely;...it’s totally outrageous. 

I absolutely loathe mobile banking Apps for anything more complex than simple balance checks etc.

Fingers way too big and screen way too small. 

“Al Rayan: Banking you can believe in” 

Sea_Shell

I gave up trying to register the app, so I've already emptied the account.   If things don't work smoothly, then "I'm out".