Al Masraf

Arab Bank for Investment & Foreign Trade (Al Masraf) was established in November 1975 and started its banking operations according to the Federal Decree no. 50 issued and signed by His Highness Sheikh Zayed Bin Sultan Al Nahyan in 1976.

Al Masraf is a manifestation of the vision, wisdom, and farsightedness of His Highness Sheikh Zayed Bin Sultan Al Nahyan and rulers of other Emirates.

The Bank was formed with the purpose of instilling co-operation amongst the Arab countries and promoting joint economic ventures among them.

Al Masraf is owned by Emirates Investment Authority a part of the UAE federal government (42.28%), the Libyan Foreign Bank, Libya (42.28%) and La Banque Exterieure d’Algerie, Algeria (15.44%).

We marching towards modernization aimed across all levels of the organization, to realize its dynamic mission and vision and become an innovative and preferred financial partner for all banking services.

Today, we offer a full range of financial services including Consumer Banking, Corporate Banking, Islamic Banking and Treasury and Investment services to help our customers build and manage their finances. Our values encourage us to constantly update our products and services in order to meet the diverse and evolving needs of our clients.


How to register as a new Masraf Al Rayan online banking user using ‘Al Rayan Mobile’ app

Al Rayan Mobile banking offers you a truly secure and convenient way to do your banking, 24 hours a day, 7 days a week. Manage your accounts, credit cards, transfer funds, pay bills and find your nearest branch and ATM location all on your smart phone or tablet.

To download the application, please follow the below instructions for your mobile device or tablet:

iPhone or iPad mobile devices

Navigate to the Apple Store (GCC/US/UK/Europe stores) application on your iPhone or iPad and enter any of the following keywords to search for the Mobile Banking application:

  • Al Rayan
  • Masraf Al Rayan

You may also directly download the application by using the following links:

  • For iPhone. Please Click here
  • For iPad, Please Click here

Android mobile devices

To download Al Rayan Mobile to an Android enabled device please click here or navigate to the following link:


  • View Transaction History
  • View Account Balance
  • Open New Term Deposit
  • Request for Finance
  • Pay Credit Card Bills
  • View Credit Card transaction history
  • Pay Utility Bills (Ooredoo and Kahramaa)
  • Domestic and International Fund Transfers
  • Place a Cheque Book request
  • View nearby ATMs and Branches

Compatible Devices with Al Rayan Mobile:

Apple (iOS 7.0 and above)

  • iPhone 4 and above
  • iPad 1 and above

Android (gingerbread OS 4.0 and above)

  • Supports Samsung Galaxy S2 and above or any other Android OS supported smart phone

Online Banking

Security Notice

  1. Please do not share your user ID and Passwords with anybody. Keep it totally Confidential
  2. Please Keep your Passwords Complex and change them regularly
  3. Please do not share your Debit/ATM card or Credit card password with anybody. Keep it totally Confidential
  4. Never respond to any Email or SMS asking for your User ID, Passwords, Credit / ATM Card information or any other information. If you receive any, report to us
  5. For using Al Masraf Online Banking, Ensure you type and avoid following any links received via e-mail, SMS, etc.
  6. Ensure your personal, identification, and contact details are up to date in our bank records
  7. Ensure to log off immediately once you have finished using your online banking.

Contact Details


  • Al Masraf Tower, Hamdan Street, P.O.Box: 2484, Abu Dhabi – U.A.E
  • +971 60 052 9999

Swift Code

A SWIFT code — sometimes also called a SWIFT number — is a standard format for Business Identifier Codes (BIC). Banks and financial institutions use them to identify themselves globally. It says who and where they are — a sort of international bank code or ID.

These codes are used when transferring money between banks, particularly for international wire transfers or SEPA payments. Banks also use these codes to exchange messages between each other