If I have a legitimate objection to a product, should I contact customer service or the Sharia Supervisory Board?

Begin with the bank's official channel and clearly state your inquiry or complaint.

Key points

• Request clarification of the wording, supporting documents, or the official Sharia ruling on the product, if available.

• The presence of a Sharia supervisory board does not necessarily mean it is a direct customer service channel.

• Even if your objection involves banking or contractual rights, the regulatory complaints process remains important.

Source

• AAOIFI — Issued Standards

• Central Bank of Egypt — Submit a Complaint