Arab Bank for Investment & Foreign Trade (Al Masraf) has always placed information safety and security as its utmost priority by adopting the most effective state-of-the-art international information security practices and controls. In order to keep your Online Banking experience with Al Masraf safe and secure please follow the below guidelines.

Password security

Passwords should be your best kept secrets. Passwords are used to authenticate your identity. A lost or leaked password can result in the misuse of your personal information, bank account information, and social contacts and correspondence.



• Keep your password/PIN/TPIN confidential. Remember it should never be shared with anyone, even with Al Masraf staff.

• Make sure that your password is not one that is simple and can be guessed easily. Password ideally should be at least 8 characters long, should not contain your username, real name or company name. It should combine letters, numerals and symbols and passwords should be significantly different from previous passwords.

• Change your passwords regularly by browsing to the Setting page of your online banking account.

• If you suspect that your password has been compromised, change your password immediately and report the incident to the Bank.

• Disable auto complete or Remember password options in the internet browser while accessing Internet Banking systems.

• Disclose your PIN or password to anyone else, including bank staff (BANK WILL NEVER ASK FOR PASSWORD OR PIN DETAILS).

• Use your birth date or name as your PIN or Password. Internet Passwords should be alpha numeric.

• Store passwords on your computers or any other public places.

• Use the same password for multiple online resources.

• Write down your passwords.

System Security

It is critically important to keep your computers and smartphones protected from common security threats. Failing to do so can put your personal and financial information at risk.



• Keep your Operating System updated with the latest security updates and patches.

• Download software only from trusted sites.

• Ensure anti-virus is installed and configured to install updates automatically.

• Ensure your anti-virus is equipped with anti-spyware and firewall.

• Regularly review your Internet security settings in the browser.

• Visit suspicious sites or follow any instructions and give your identity details.

• Install free software from unknown sources, such software can be malicious and allow fraudsters to take control of your computer to commit financial fraud.


Internet Fraudsters send out emails which appear to be sent legitimately by banks asking for your personal banking details. Here are some simple tips to remember, which will keep you protected:



• Be careful with any email that requests personal or financial information.

• Access Internet Banking by typing in the address bar of your browser.

• Enter information such as card numbers only via a secure website which uses a secure browsing mechanism (HTTPS) and has closed lock icon on the status bar.

• Click links within the email to access Al Masraf website.

• Reply to phishing emails that ask you to respond immediately with lucrative offers.

• Assume that an email is authentic and revert with personal information.

• Never respond to any email claiming to be from a bank or any company that requests your account or confidential information such as passwords, credit card numbers, PINS or TINS. Report such incidents to Al Masraf.

Note: Al Masraf will never send you an e-mail requesting you to share confidential information like your credit/debit card numbers, Online Banking username/password, OTP, PIN number etc.

Online banking

By using online banking services, you gain full access to your bank account and all financial information associated with it. Please follow the below guidelines to ensure secure online banking.



• Always log off when accessing your Online banking once your transactions are completed.

• To login into Al Masraf Online Banking, ensure you type and avoid following any links received via e-mail, SMS, etc.

• On login to Al Masraf Online Banking always check last successful and unsuccessful login date and time once you login to your Digital Banking Account. If you see a discrepancy please change your password immediately.

• Monitor your transactions regularly. Immediately report any irregularities in statements to Al Masraf.

• Try not to access your Online Banking from public areas such as internet cafes, coffee shop, and airport lounges etc.

• Do not use your banking password for anything else, such as your email account.

• Postpone reviewing your credit card statements and account statements.

ATM Security

There are different types of ATM fraud, including the following

• Card Skimming is when criminals install devices on ATMs to obtain the card details and the PIN.

• Shoulder Surfing is a technique that involves peeking over your shoulder and recording your PIN as you key it in.

• Operational Cash Departments are criminals approaching tourists and directing them to local merchants to use their point of sale device to issue cash. The merchant then skims the card details and uses a fake PIN entry device to obtain the cardholder's PIN. This information is then used to make unlawful cash withdrawals with counterfeit cards.



• Use an ATM alone and shield the keypad with your hand when keying in your PIN.

• Report jammed or retained cards and those lost immediately to the Bank.

• Use unique PINs and change them periodically.

• Check to ensure that no additional devices are attached to the card reader slot.

• Disclose your PIN to anyone, including your family members or to the Bank staff.

• Accept help from strangers at an ATM.

• Write down your own PIN in a way that is easily accessible.

• Use numbers like your date of birth or the last four digits of your car / phone number.

• Use an ATM with a blank screen.

Note:Always report your lost card details to Bank immediately on 600 529999.

Phone Fraud

Vishing is phone fraud where criminals claims to be calling from legitimate organizations to verify personal details for official records or to give out rewards. The criminals may also fake the caller-identification, making it appear that the call is legitimate.



• Consider calling back to the Bank. Use the phone number from official Bank’s sources and not the one provided by the caller.

• Give out your account details, credit card number, CVV2 (the three digit number on the back of your credit card) PIN or account information through unsolicited calls.

• Respond to voice mail or calls that ask you to go to a website or call a phone number to resolve an account problem.

Note:Contact Al Masraf and report any suspicious calls or incidents on 600 529999.

Advance Fee Fraud

In advance fee frauds, fraudsters seek your permission to transfer funds to your account from a wealthy beneficiary. In such cases, you will be approached through a letter, fax, email or telephone claiming to be a senior bank official. Victims are repeatedly requested to part with sums of money in order to help the transfer process and as the fraud progress a considerable amount of money is lost .The promised transfer of money will never occur.

Al Masraf always ensures customers are protected from fraudsters and fraudulent transactions by keeping them informed on the safe & secure ways of using Banking Channels.



• Always be wary of unsolicited emails offering large sums of money.

• Give out your account details, credit card number, and password through unsolicited emails, transfer money as instructed in these emails.

• Respond to such requests.

Cheque book protection

You can minimize the risk of cheque fraud by exercising the following cautions:



• Always keep your cheque book in a safe place, under lock and key.

• Record details of cheques issued on the recording slip so you can reconcile the same with bank records.

• Keep the signed cheques in the cheque book.

• Leave your cheque book unattended.

Note:Please report any suspected activities or other security related issued to Al Masraf immediately on 600 529999.

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Mobile Banking

High level security features are in place to make your online banking safe and secure with 24 hours access to all your accounts from anywhere.

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