How to Activate Alinma Internet Banking Step by Step

What Is Alinma Internet Banking?

Alinma Internet Banking is an online banking platform developed by Alinma Bank, enabling customers to manage accounts, perform transactions, and access financial services remotely. It offers 24/7 digital banking without requiring branch visits.

Users can:

• Transfer funds (local and international)
• Apply for personal financing
• Pay utility bills and government fees
• Open new accounts and request cards
• Monitor and export account statements

Alinma’s system supports both desktop and mobile devices. It is optimized for screen readers, allowing blind and visually impaired users to access banking services independently.

Unlike traditional banking, Alinma Internet enables users to:

• Perform transactions in real time
• Access advanced financial products (e.g. “Nama” investment program)
• Receive instant notifications for account activity

Alinma Internet also complements Alinma Mobile, which is a mobile-first app experience, but both systems share login credentials and offer synchronized data.

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How Do You Register for Alinma Internet Banking?

To activate Alinma Internet Banking, you need an active Mada card linked to your Alinma account. Registration can be completed through the official website with no paperwork.

✅ Step-by-step registration process:

1. Go to the Alinma Bank official website.
2. Click “Alinma Internet” from the homepage menu.
3. Select “New User”.
4. Enter your Alinma Mada card number and associated PIN.
5. Follow the prompts to:
   • Set up your username and password
   • Create security questions
   • Confirm your mobile number

The system sends an OTP (one-time password) to your registered mobile for verification. Once confirmed, your online banking account becomes active immediately.

Alternative method:

If you’re opening a new Alinma account via the website or app, you can opt to activate online banking during account setup. This option instantly registers you for all digital services, including Alinma Internet, mobile banking, and card services.

Requirements:

• Valid Saudi National ID or Iqama
• Active Alinma Mada card
• Mobile number linked to your bank profile

The setup process is optimized to take under 5 minutes and is accessible from any device.

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What Features Are Available in Alinma Internet Banking?

Alinma Internet Banking offers full-service capabilities for personal and business customers. It includes daily banking, financing, payments, investments, and account management functions.

💡 Core Functions Include:

Function	Description
Account Inquiry	View balances, transactions, and limits for all linked accounts
Credit Card Management	Monitor card usage, pay bills, change card status
Funds Transfer	Local, internal, and international money transfers
Bill Payments	Settle utility bills, mobile top-ups, and MOI payments
Statement Management	View, download, and export statements in PDF, Excel, Web Connect formats
Financing Applications	Apply and track personal and equity financing online
Card Services	Issue Mada cards, suspend or reactivate cards, view transaction history
Standing Orders	Set up recurring payments
Currency Exchange	View real-time exchange rates and convert currencies
Nama Program	Subscribe to automated investment savings
Traveler Card	Request and manage a multi-currency card for global use
Customer Support	Submit complaints, inquiries, and suggestions digitally
Branch Booking	Schedule physical visits in advance for specific services

✅ Accessibility & Integration:

• Optimized for blind users with screen reader compatibility.
• Real-time integration with Alinma Mobile and ATM services.
• Multi-language support including Arabic and English.
• Biometric login (if used via mobile browser on supported devices).

Alinma Internet eliminates the need for physical branch visits for over 95% of personal banking services.

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How to Enable Internet Purchase on Alinma Bank Cards?

Internet purchase is disabled by default for security reasons on Alinma Mada and credit cards. To enable online shopping, the card status must be set to “Active for Internet Use” via Alinma Internet Banking.

✅ Steps to Activate Internet Purchases:

1. Log in to your Alinma Internet Banking account.
2. Navigate to the Cards section from the side menu.
3. Select Card List to view all your active Mada and credit cards.
4. Click the card you want to enable for online purchases.
5. Choose the “Change Status” option.
6. Select “Enable Internet Purchases” or a similar option.
7. Confirm the status change and enter the OTP sent to your mobile.

The card is now ready to be used for:

• Google Play Store purchases
• Apple subscriptions
• E-commerce payments (Amazon, Noon, etc.)
• SaaS or subscription platforms

⚠️ Common issues if not activated:

• Payment rejections on online platforms
• Transaction decline messages
• Security block from Alinma’s fraud system

Activation is instantaneous and applies globally. If a transaction still fails, confirm:

• Your card has available balance
• You are not exceeding daily online purchase limits
• You entered correct CVV and expiry date

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What Security Features Does Alinma Internet Banking Use?

Alinma Bank employs multi-layered security protocols to protect user data and prevent fraud in online transactions. It follows strict SAMA (Saudi Arabian Monetary Authority) compliance standards.

🔒 Security Layers Include:

Security Feature	Description
Two-Factor Authentication	Requires OTP via SMS for logins and transactions
End-to-End Encryption	All data transmitted is encrypted using industry standards (TLS/SSL)
Session Timeouts	Automatic logout after inactivity
Login Notifications	Real-time alerts sent via SMS or email on new logins or failed attempts
Fraud Detection Systems	AI-driven risk engine blocks suspicious behavior
Biometric Integration	Mobile login via fingerprint or facial recognition (if device supports it)

Additional Protections:

• Device fingerprinting to track known and unknown login attempts
• Account lockout after repeated failed logins
• Masked input fields to prevent data interception
• Customer Verification Questions to confirm identity for support cases

Alinma Bank recommends users to:

• Avoid using public Wi-Fi during login
• Regularly update their passwords
• Enable transaction alerts for real-time monitoring

Alinma’s platform is also certified for ISO/IEC 27001, the global standard for information security management systems.

What Accessibility Features Are Provided?

Alinma Internet Banking supports visually impaired users through screen reader compatibility, voice navigation cues, and accessible interface layouts. The design adheres to WCAG 2.1 Level AA accessibility standards.

✅ Accessibility Features:

• Screen Reader Support: Elements are labeled with ARIA tags for compatibility with JAWS, NVDA, and VoiceOver.
• Keyboard Navigation: Users can navigate all interface elements using only a keyboard.
• High Contrast Mode: Offers enhanced readability for low-vision users.
• Simplified Interface: Menus are logically grouped and text is scalable.

Alinma also ensures that mobile and web versions of their online banking share the same accessibility infrastructure. Users with cognitive disabilities benefit from simplified flows, consistent layouts, and contextual help cues.

All user interfaces are bi-lingual (Arabic/English), and toggleable by screen reader commands or interface settings.

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What Types of Alinma Savings Accounts Exist?

Alinma Bank offers two types of Shariah-compliant savings accounts: the Daily Balance Package and the Minimum Balance Package. Both accounts provide competitive Annual Equivalent Rates (AER) and monthly maturity.

🟩 Saving Account – Daily Balance Package

Balance Range	AER	Maturity	Withdrawals Permitted
SAR 1 – SAR 100,000	2.22%/yr	1 month	Open
SAR 100,001 – 1,000,000	2.25%/yr	1 month	Open
SAR 1M – 3M	2.50%/yr	1 month	Open
Above SAR 3M	3.00%/yr	1 month	Open

🟦 Saving Account – Minimum Balance Package

Balance Range	AER	Maturity	Withdrawals Permitted
SAR 1 – SAR 100,000	2.22%/yr	1 month	Open
SAR 100,001 – 1,000,000	2.25%/yr	1 month	Open
SAR 1M – 3M	2.50%/yr	1 month	Open
Above SAR 3M	3.00%/yr	1 month	Open

Both accounts support automatic enrollment in Alinma Internet and Alinma Mobile. Users can track accrued profit, maturity dates, and withdrawal history in real time.

Profits are calculated daily and paid monthly. Users may open these accounts online with no branch visit required.

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How to Manage or Suspend Alinma Mada or Credit Cards?

Alinma Internet Banking lets users fully control their Mada debit and credit cards. Cardholders can update statuses, track transactions, set limits, or suspend cards instantly.

✅ Card Management Options:

Action	Available for Mada?	Available for Credit Card?
View card details	✅	✅
Enable or disable internet use	✅	✅
Change transaction limits	✅	✅
Suspend/Reactivate card	✅	✅
Block card permanently	✅	✅
View and download statements	❌	✅

🛡️ How to Suspend a Card:

1. Log in to Alinma Internet Banking.
2. Go to “Cards” → “Card List”.
3. Select the card.
4. Choose “Change Status” → “Suspend Temporarily”.
5. Confirm via OTP.

The status update takes effect immediately. Suspended cards cannot be used for ATM withdrawals, point-of-sale purchases, or online transactions.

This feature is especially useful if a card is misplaced or if suspicious activity is detected.

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How Can You Use SARIE and Instant Payment Services?

SARIE is Saudi Arabia’s instant payment system, and Alinma Internet Banking supports real-time transfers to individuals and businesses across all Saudi banks.

✅ SARIE Transfer Capabilities:

Transfer Type	Settlement Time	Daily Limit
To same bank	Instant	SAR 200,000
To other banks	Instant	SAR 100,000
Government entities	Instant	SAR 250,000

Features Supported:

• IBAN-based transfers
• National Address transfers
• Mobile number-based instant payments
• QR Code payments

Users can schedule SARIE transfers, set up recurring payments, and receive incoming funds in real time. Transfers made before midnight are processed instantly, including weekends and holidays.

SARIE also supports notifications and reference numbers for easy reconciliation.

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How to Subscribe to Nama or Traveler Card Programs?

🔹 What Is the Nama Investment Program?

Nama is an automated investment savings plan by Alinma that helps users grow their wealth while maintaining liquidity. It is fully integrated with Internet Banking and can be activated online.

Nama Features:

• Daily contribution from your current/savings account
• Automated investment into Shariah-compliant instruments
• Track portfolio performance in real time
• No lock-in period

Users choose a contribution range and time period. Profits are deposited directly into the linked account every month.

🔸 What Is the Alinma Traveler Card?

The Traveler Card is a multi-currency prepaid card designed for global travel.

Features:

• Supports up to 5 currencies on one card
• Real-time currency conversion rates
• Can be issued and managed online
• Offers ATM withdrawals and point-of-sale access globally
• Comes with spend tracking and budgeting tools

Currencies supported include USD, EUR, GBP, AED, and SAR. Users can transfer from their main Alinma account to the Traveler Card in seconds using the Internet Banking interface.

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How to Contact Alinma for Support?

Alinma Internet Banking provides full digital customer support, eliminating the need to call or visit a branch for most queries.

✅ Support Channels Available:

• Inquiries & Complaints: Submit forms through the Alinma Internet portal
• Suggestions: Dedicated submission tool for user feedback
• Secure Messages: Send confidential banking requests within your login session
• Branch Booking: Reserve appointments at any branch for services that require physical verification

📱 Alinma Contact Options:

Channel	Access Method
Phone	800 120 8000 (24/7)
Email	info@alinma.com
WhatsApp	Available via mobile site
Branch Visit	Book in advance via website/app

Support is available in Arabic and English. Alinma promises a 24-hour resolution window for standard support tickets.

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FAQs About Alinma Internet Banking

1. Can I log in to Alinma Internet on my mobile?
Yes. Alinma Internet is mobile-responsive. For best performance, use the Alinma App.

2. How do I reset my online banking password?
Click “Forgot Password” on the login page, verify with your Mada card and OTP, then reset your credentials.

3. Are there transfer fees?
Internal transfers are free. SARIE and international transfers may incur fees depending on the amount and destination.

4. Can I print my statement in PDF?
Yes. Go to “Accounts” → “Statements” → Select Format (PDF, Excel, Web Connect).

5. Is Alinma customer service 24/7?
Yes. The phone support and secure message system are both available 24/7, including holidays.

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