Al Rajhi Bank, established in 1957, has grown to become one of the largest Islamic banks globally. With over 600 branches and more than 4,700 ATMs across Saudi Arabia, the bank is committed to providing accessible and innovative banking solutions to its customers. The extensive ATM network plays a pivotal role in this mission, offering a wide range of services that cater to the diverse needs of individuals and businesses alike.
Expansive ATM Network Across the Kingdom
Al Rajhi Bank’s ATM network is strategically distributed throughout Saudi Arabia, ensuring that customers have convenient access to banking services wherever they are. With over 4,700 ATMs in various locations, including major industrial, commercial, and residential centers, the bank ensures that customers are never far from a facility that can assist them with their banking needs. This extensive coverage reflects the bank’s dedication to customer convenience and accessibility.
Comprehensive Services Offered at ATMs
Beyond traditional cash withdrawal and deposit functions, Al Rajhi Bank’s ATMs offer a multitude of services designed to meet the evolving needs of their customers. These services include:
- International and Local Transfers: Customers can perform international transfers in various forms—instant, cash, or account-based—directly from the ATM. Local transfers between accounts within the bank are also facilitated seamlessly.
- Bill Payments and Government Services: The ATMs support SADAD/bill payments, allowing customers to settle utility bills and other payments efficiently. Additionally, government payments, including Ministry of Interior (MOI) services and refunds, can be processed through the ATMs.
- Account Management: Users can inquire about their account balance, obtain mini statements, and even change their registered mobile number via the ATM interface.
- Card Services: The ATMs enable customers to set or change their Personal Identification Number (PIN) and offer services in multiple languages to cater to a diverse clientele.
These features are designed to provide a comprehensive banking experience, reducing the need for customers to visit physical branches for routine transactions.
Innovative Self-Service Kiosks: ASRAA
In addition to traditional ATMs, Al Rajhi Bank has introduced self-service kiosks known as ASRAA. These kiosks offer innovative solutions for various banking operations and transactions, providing customers with enhanced convenience and efficiency.
- Card Issuance and Renewal: Customers can instantly renew their existing ATM cards or print new ones using fingerprint authentication. This service allows users to choose the name printed on the card and is available without the need for the old card.
- Checkbook Printing: The kiosks enable instant printing of checkbooks, eliminating the traditional waiting period associated with this service.
- Account Statements and IBAN Services: Users can obtain a six-month account statement printout and print or send their International Bank Account Number (IBAN) to their mobile phones via SMS.
- Bill Payments and Transfers: Similar to ATMs, the kiosks facilitate bill payments and account transfers, providing a comprehensive suite of services to meet various banking needs.
- Customer Information Updates: Customers can update their identification or residency permit (Iqama) expiry dates through the kiosks, ensuring their account information remains current.
The ASRAA kiosks are strategically located in various Al Rajhi Bank branches across the Kingdom, offering services around the clock to accommodate the diverse schedules of customers.
Cash Deposit Machines for Corporate Clients
Understanding the unique needs of corporate clients, Al Rajhi Bank has pioneered the introduction of Cash Deposit Machines (CDMs) in the Middle East. With over 250 machines installed across Saudi Arabia, these CDMs provide a secure and efficient method for businesses to manage their cash deposits.
- High Capacity and Configurability: Each CDM can handle up to 12,000 notes, with cassettes configurable based on the specific needs of the business.
- Instant Account Crediting: Deposited funds are credited to the business’s account instantly, enhancing cash flow management.
- Multi-Account Support: The machines offer the possibility of depositing into several accounts, catering to businesses with complex financial structures.
- User Management: CDMs can manage a large number of users, allowing businesses to control and monitor access effectively.
These features underscore Al Rajhi Bank’s commitment to providing tailored solutions that address the specific requirements of their corporate clientele.
Forex ATMs: Catering to International Travelers
In a bid to serve international travelers better, Al Rajhi Bank has introduced Forex ATMs. These specialized ATMs allow customers to withdraw multiple currencies, including Saudi Riyals (SAR), US Dollars (USD), United Arab Emirates Dirhams (AED), Euros (EUR), British Pounds (GBP), and Turkish Lira (TRY). The first of these Forex ATMs is conveniently located in ‘Departure Terminal 2’ at King Khaled International Airport, providing travelers with easy access to foreign currencies before they embark on their journeys.
User-Friendly Processes for Card Renewal and Activation
Al Rajhi Bank places a strong emphasis on customer convenience, evident in their streamlined processes for card renewal and activation. Customers can renew their ATM cards through self-service kiosks without the need to visit a branch. The process involves inserting the old card into the kiosk, following on-screen instructions, and receiving a new card instantly. Activation of the new card can be completed at any Al Rajhi ATM by entering the old PIN, receiving a verification code via SMS, and setting a new PIN. This efficient system minimizes downtime and enhances the overall customer experience.
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