Russell Hornsby   United Arab Emirates

MY EXPERIENCE WITH RESTORING LOST INVESTMENT FUNDS

I learned an important lesson after investing in what appeared to be a genuine opportunity. Unfortunately, I was unable to access my funds, which reinforced the importance of carrying out thorough due diligence, checking whether an investment is appropriately regulated, and seeking qualified professional advice rather than relying solely on online reviews or testimonials.
During the process of addressing my case, I worked with Mrs. Tatiana Sorina , who communicated clearly, provided regular updates, and handled the matter in a professional manner. According to my experience, I have recovered $50,000 so far, while efforts to resolve the remaining balance are still in progress.
If you wish to contact her, the details I used are: Mrs. Tatiana Sorina
TEXT : ([email protected])…. Before committing money to any investment, take time to verify the legitimacy of the platform, confirm any relevant regulatory authorisations, and avoid investing more than you can comfortably afford to lose.

07-08-2026

Olive Ruth   United States

Recover Your Lost Funds

After losing 40,000$ to an online scam, I felt completely helpless. I contacted my bank and local authorities, but there was little progress in recovering my money. A friend then recommended Mrs. Melissa Gilbert, and their team handled my case with professionalism and care from the very beginning. They kept me informed throughout the process and, to my surprise, successfully recovered my full funds within just a few days. I’m truly grateful for their support and expertise. I highly recommend their services to anyone dealing with online scams or financial fraud. Contact Details: WhatsApp: +44 (778) 227-6032 Email: [email protected]

25-05-2026

KARTHIK   United Arab Emirates

Opening an account or getting credit card is easy, but closing is not easy like other loans and creditcards.

ABSOLUTELY TERRIBLE EXPERIENCE with RAK Bank credit card. What should be a SIMPLE and QUICK process has turned into a COMPLETE NIGHTMARE. Even after clearing ALL OUTSTANDING DUES, I was informed that card closure will take UP TO 45 DAYS — this is COMPLETELY UNACCEPTABLE.

This UNNECESSARY delay causes constant STRESS, ANXIETY, and ENDLESS FOLLOW-UPS, with ZERO TRANSPARENCY or accountability from the bank. It honestly feels like customers are DELIBERATELY DISCOURAGED from closing their cards.

A bank that cannot close a credit card in a REASONABLE TIME shows NO RESPECT for its customers. This experience has DESTROYED my trust in RAK Bank. STRONGLY ADVISE OTHERS TO AVOID their credit cards unless you are ready for frustration and mental stress.

12-01-2026

Fatima   United Arab Emirates

Personal loan

pattern of deceptive practices, misrepresentation, and procedural misconduct manipulating my decisions making and financial planning, involving multiple departments and representatives.

26-06-2025

Ghadfa   United Arab Emirates

Worst Nightmare I had with this bank

When I initially showed interest in getting a credit card, they were aggressively pushing me to sign up. Once I finally did, I went through a period of unemployment and couldn’t pay my dues in full, so I was paying the minimum. Despite this, their customer service was extremely aggressive—shouting at me over the phone even when I was cooperating. The final straw was when they contacted my family abroad, informed my mother, and threatened legal action. It was an absolutely unacceptable and distressing experience. A company like this should have no place operating in the UAE

25-06-2025

ALBERT MUNAR   United Arab Emirates

Refund and Cancellation of Unauthorized Insurance Charge

I am writing to formally address a matter of great concern. I noticed
an unauthorized charge of 1,082 AED was deducted from my credit card.
This charge is for insurance, but I have not signed any formal
agreement or received any documentation or communication regarding
this insurance.

I did not approve or consent to this charge, and I have not received
any signed form or letter outlining the terms of the insurance.
Without any proof of the insurance, I cannot verify its legitimacy,
and I do not wish to be involved in any such agreement.

I kindly request that you cancel this insurance and refund the 1,082
AED that was improperly charged to my account. If I do not receive a
prompt resolution, I will be forced to escalate this matter and file a
formal complaint with the relevant authorities.

I expect your immediate attention to this issue and look forward to a
swift resolution.

05-03-2025

izzat wali   United Arab Emirates

One of the worst bank in UAE

one of the worst bank in the united arab emirates. worst customer service i have ever faced in my life. specially
Rohet Patel, aghaz khan, and vivek kumar every body shall stay away from them.

18-02-2025

F&C PROPERTIES LLC   United Arab Emirates

LOAN

I am writing to express my concern and disappointment regarding the loan application for our company, F&C Properties, remaining balance which has yet to be approved or processed despite multiple follow-ups. As a loyal client of Rakbank for many years, we have always relied on their services and have maintained a trustworthy relationship with the bank.

However, when we requested the remaining loan to put it directly in the account for an urgent matter, we have not received the expected level of support or commitment. Despite numerous emails and follow-up calls from our side, there has been no progress or clarity regarding the status of our application. This is disappointing, especially given the fact that the terms of the loan were initially agreed upon.

As a long-standing client, we believe it is fair to expect timely and transparent communication, along with adherence to commitments made by the bank. The current lack of action is not only affecting our operations but also straining the trust we have placed in Rakbank over the years.

We hope Rakbank will address this issue promptly and ensure that the quality of service matches the standards that we have come to expect.

27-01-2025

Bharath Ramini   India

Closure of slywards cards

Avoid taking credit cards from RAK. Had a very bad experience from them, and their customer representative are not aware of anything. For everything they will say please call the centre as they don’t have much information. They have closed the skywards cards just out of blue. They have made me spend more than 120000 last year saying it will be free for 1 more year and now they simply closed the card and given a new card where the dues are forwarded but benifits did not. Now I am forced to pay the loans which I have taken if not I have to pay the monthly fee as it is not possible for me to spend 10000+ every month. This is just to loot people in different ways.

23-01-2025

Enzo Garcia   United Arab Emirates

WORST BANK IN THE WORLD

This is the worst bank in the world, poorest customer service, seriously, they can removed the whole team and nothing will change, the worst pathetic, unreliable, dumb people in the planet!!!

10-01-2025

Marianne S. Vita   Philippines

Swiftly took action in blocking the scammer using my debit card. Happened today, 16.Dec.2024

I really do appreciate your quick action as you notified me of the suspicious transaction being made using my debit card. Making me realized that our accounts are safe in your hand. Thank you so much! Keep it up!

16-12-2024

dasmi   United Arab Emirates

I want to close my card but they made it so difficult.

I want to close my card, they asked me to pay for early settlement of my quick cash which I did immediately. When I asked that I am already paid and asked to close my card, they said it will take 45 days.

I paid all , even the charges but still will wait this long to close my card.

I need it to be closed ASAP, but they are making it difficult for their customer.

16-12-2024

charlotte   Philippines

Scam loan

I did a loan transaction last Oct with Bhavya Karkala, a senior sales representative. I have a buyout loan with ENBD, so she asked me hurriedly to obtain a non-liability letter. I completed the process and paid off all my credit cards. Upon checking all the requirements, ! encountered a conflict with my STL between Rakbank and my employer’s format. Our accountant said it could be done according to the Rakbank format, but once it was forwarded to my boss, he changed the last phrase, although he provided the STL. There was a mistake on my part. Now, Ms. Bhavya said my loan can’t be released, and the loan amount has been apportioned. Whatever the balance amount is, it will not be released, and the EMI will remain the same; only the tenure will be reduced. So, after all the processing, that was the only time she explained what would happen. From my perspective, it is very disappointing and upsetting. I feel like someone has fooled me and scammed me into buying out my loan just to increase the interest I have to pay. If she had explained clearly before the process, there would have been no misunderstanding. As a Senior Representative Officer, I expected, relied on, and trusted her due to her experience, but it was upsetting that she led me into double up interest debt. If she had just explained that this would happen, I would not have written a complaint. She is a senior, but she acted like a junior. I went to the Rakbank office to seek help with my situation. They informed me that they can’t do anything and that I should go back to the agent.
It’s a hopeless case because what she advised me to do is to beg and lie to my boss just to get the STL format they needed. I don’t want to lie to my boss; my work doesn’t deserve to be based on a lie. Yes, she discussed the format before she proceeded, but she didn’t discuss the conflict. If I had just known there was a conflict like this, I would never have done this process if someone had informed me upon signing up. There needs to be a well-briefed discussion; she’s a senior, and she has to do it before signing. She has to discuss not only the process but also the signing and what may come afterward. I even asked her where I could go; I thought maybe there was a way. She said I didn’t need to go anywhere; it would come back to her. Is what she did acceptable? Is this right? Afterwards, the teller on Rakbank Office told me my loan is on hold because I didn’t provide the STL and Non-Liability Letter. These two requirements have been forwarded to them, and they even sent me a copy of my Non-Liability Letter. I’m still seeking help; maybe someone could assist me in sorting this out, and I hope I will be the last one to experience this kind of depressing situation

09-12-2024

Sunny   United Arab Emirates

Account Opening Exoerience

Never apply for opening a bank account in RAK Bank, not even keep it as a last option, it is terrible, websites says you will get the account in minutes but it is all lies you won’t be getting the account in weeks. Customer support is incompetent, they don’t have any information regarding the process. Overall horrible experience.

11-11-2024

MUHAMMAD   United Arab Emirates

NEVER EVER OPEN A BANK ACCOUNT OR TAKE A CREDIT CARD WITH RAK BANK

This is one of the worst banks in the WORLD if not the WORST IN THE WORLD . They close down your cards and account for no reason even if you had given proof of the transactions and source of funds and the PRIMARY REASON which I BELIEVE for them doing so is if they feel there is no benefit with the client ( that is if the client pays the dues on time , have used their card and have taken benefits like miles / points / cash back and having their annuals fees waived off for the next year ) they find a reason to block your card and give a reason saying its due to internal bank security policy . So people dont waste your time on this GARBAGE BANK which is very unprofessional , unethical and not trustworthy . They will just harass you both mentally and physically . STAY AWAY !!!

26-09-2024

Amanda   United Arab Emirates

End of year service

My end of year service was credited into RAKBANK and since I had a loan with the bank the account was frozen. I visited the Dragon Mart branch and met Mr. Biju Mathew, I shared my concerns with him, I also shared my new offer letter. He was very attentive and approachable, he heard me out first and then informed me that as per the government policy I am entitled to receive my end of year salary and the bank can only hold back my end of year service amount. He assured me that in a few days the money would be credited into my account and that is exactly what happened. I am really thankful to Mr. Biju for his constant support and guidance.

12-08-2024

Bart   United Arab Emirates

Negligent and not reliable

Asking for an immediate transaction for a substantial amount of funds has already been ignored, with a lot of consequences. Banks in the Middle East are in general very slow and about 30 years behind compared with Europe, America and many Asian countries. Only FAB is scratching the surface before they enter the Top 100 banks rating. For a country with a booming economy and a lot of business this is embarrassing. That’s why many local business owners prefer a foreign bank

12-06-2024

Bart   United Arab Emirates

Negligent and not reliable

Asking for an immediate transaction for a substantial amount of funds has already been ignored, with a lot of consequences. Banks in the Middle East are in general very slow and about 30 years behind compared with Europe, America and many Asian countries. Only FAB is scratching the surface before they enter the Top 100 banks rating. For a country with a booming economy and a lot of business this is embarrassing. That’s why many local business owners prefer a foreign bank

12-06-2024

Denis   United Arab Emirates

Worst bank in UAE

It is definitely the worst bank in the UAE. I advise you not to do any business with it. The bank is constantly trying to cheat its customers, I was not returned 1000 dirhams of deposit for car rental, although the company unblocked this amount, and last time they added 11 dirhams to my closed debt to take a fine of 250 dirhams for delay.

28-05-2024

Shine   United Arab Emirates

BAD EXPERIENCE

Re-activating a card, required to register to RAKTOKEN, required to register to Digital access card to access the raktoken, took 4 times to visit the branch, in the end nothing is resolve. Worst experience.

21-05-2024

Yathin   United Arab Emirates

Client Relation and Customer management

To get a piece of information from bank employees is next to impossible.
RAK Bank employees treat the customers as if they pay our salaries.
Nowadays depositing a cheque in a RAK bank ATM is a nightmare.
if you are planning to visit RAK bank you need to be free for the whole day or need to take leave from the office to get our work done. They will give you a token and to get your number will have to wait for an hour or more. Totally Third class service.

17-05-2024

Fareen   United Arab Emirates

Bad service

I will not recommend any customer to have Rak bank credit card .
I have been using multiple credit cards since 12 years in UAE but Rak bank is one of the first bank I have a very bad experience

06-05-2024

Frederick De Quiros   Philippines

Performance

Service amazingly done, thank you madam for your help! 😁 Her name is mention in the attach photo…

29-04-2024

vteck   United Arab Emirates

bad experience

worst experience with this bank, as new customer I raised online request for opening new account, they got all documents and they check by taking live video my identity, because they declared that this process is 100% online.

after all required documents were submitted and live checking by video and all…
they time to time send email told me that they need more document !!! when i checked i found that they need me to move with hard papers to their branch !!!
from the beginning why you request all documents online ? from the beginning you should request that without losing my times .

25-04-2024

Charisse Trugillo   United Arab Emirates

Agents are all liars and incompetent

I have done so many transaction with this bank but never did it improve.. all agent thats handling loans and credit card are so incompetent and liars. worst bank worst experience all the time you transact business with them..

04-04-2024

Florene adolfo   Philippines

loan related

probably the worst bank, worst experience, offering bank loan but payment comes first before you get your loan amount. thier not responding to any query.

02-04-2024

Riyas   India

ATM and CDM

Most of the locations atm or cdm machines are partially or fully not working.always it’s very difficult to roam around for another atm

30-03-2024

Shakira   United Arab Emirates

Unfriendly Customer Service

The worst banking experience. Customer service are super unfriendly and rude. Also Bank has big charges on credit card. Also deducting unexpected amounts from your debit card.

20-03-2024

NORMAN   United Arab Emirates

not responding

They are not responding and giving any update on the issue.

19-03-2024

Okoth   United Arab Emirates

No Liability Letter on Buy out takes a full a month

Rak bank please be considerate when handling customers
Why does it take you so long to process a no liability letter even after payment

01-03-2024

Sherif Atef   United Arab Emirates

AVOID misleading information and will not honour the cashback

Please avoid. The will make loads of promises until you become a client. Horrible customer service. They make promises over recorded phones and don’t honour them.

I filled an official complaint and I received an email from their compliance department that my cash back will be credited on 7 February snd they didn’t keep their promise. I chased the compliance department several times and even wrote the chief compliance officer of the bank. Still no response to my several emails. It is clear that nobody cares.

Never again and will close my account.

23-02-2024

cheng   Philippines

incompetent

Very unprofessional customer service. They cannot understand what your query or concerns are. It is like a robot. They only work to ask for verification and do not offer a solution. Happy to threaten customers, multiple calls of harassment, rude!

22-02-2024

WARREN COLES   United Arab Emirates

Back to 1950 – slow, inefficient and frustrating

One of the most frustrating banks to deal with. Branches are not equipped or empowered to fulfill all requests and as a result transaction times are aligned with the dark ages when generating a simple letter can take 10 working days.

Staff are approachable but lack the knowledge or ability to complete tasks. Everything comes with a “this is out process” excuse. Personal bankers do t respond to request’s and there is a significant lack of customer centric support.

If you have weeks available to complete basic transactions and are not concerned about deals falling through due to delays. Then given them a try. If you prefer a well organized and efficient service, I would seriously avoid RAK bank

22-02-2024

Associate Prof. S.   Germany

Remarkably friendly staff

I have been with RAKBank for three years and was always amazed how friendly and approachable the staff was. Waiting time was short and banking efficient. I can wholeheartedly recommend the fantastic staff at Nakheel branch.

13-02-2024

Sudip   United Arab Emirates

Beware of Rakbank account statement

They do some dubious things while maintaining your account. Suddenly you will see some good amount of money being deducted from your account. The reason they will give you is this, the debit card transohas happened but they didn’t deduct the money from the account though they keep the money on hold so you can’t spend. Then one fine day they will deduct the same amount of money from your actual available balance. And you will find yourself in a very bad situation without any money.

10-02-2024

sunil shrivastava   India

Approached Customer Service to release the hold on End of Service Benefit

Approached RAK Bank at Dragon Mart Dubai Hatta Road Branch – met Customer service officer Mr. Russel Menzes for releasing the hold on my End of Service Benefit which was received from Employer.

Firstly Mr. Russel asked my Emirates ID and then he asked my purpose to visit the branch. I explained him what I am expecting from him. I stated him that my remaining loan amount be settled with the branch first so that hold on my salary account be lifted. Thereafter I wanted to clear the loan on my credit card.

While I was explaining him he was listening me very carefully in order to understand me. While he was doing his work, he offered me tea and water. I was relaxed at my chair. And after half an hour he ask me to sign on document to clear the loan and I left the branch.

I was really very happy with Mr. Russel. In my opinion he is very honest, co-operative, competent and amazing person. Such traits in any person enhances satisfaction among customers.

r. Russel was very cooperative and helpful.

07-02-2024

Abdurahman   Pakistan

Customer service to activate card

Muhammad ajmal is not worth of customer service very badly behaved

04-02-2024

Heidi   Philippines

Good Customer Service from Ms. Sharifa Almaazmi

I requested for Liability Letter and Ms. Sharifa Almaazmi was really exceptional, she knows how to cater the request and need of the customers. She responded promptly to all my queries . I really received the best service from her.

Thank you Ms. Sharifa Almaazmi from Umm Hurair Rakbank Branch.

30-01-2024

Xyz   United Arab Emirates

Credit Card Insurance…

Horrible experience with RAKBANK credit card insurance team , some guy called me stating my card offers me some benefits, lied to my face about coverage and fake promises i think named Droof or as he said. Told me its free to cancel , when i dint find the coverage as discussed with me , the bank charged me money to cancel.
Scammers , don’t believe what they say beware all fellow card users

29-01-2024

Jenny   United Arab Emirates

End of Service Benefit deducted to the loan

They refused to release my end-of-service money after I fulfilled all the requirements for a change of employment; instead, they taken away all of my hard-earned money from the amount of my loan. There isn’t an update despite numerous follow-ups. They will mislead you by telling you to visit the branch when you call and to send emails only when you visit the branch.

For my loan repayment it should automatically deducted each month from my salary.

25-01-2024

Binesh   United Arab Emirates

Money is not safe in our account

I lost my money around 7000 without my concern from my debit card rakbank not taking care of our money and Rak Bank security system is very poor.

20-12-2023

Mohammed Rihaan   India

Charging card For no reason

Rak bank charged me card with overlimit fees due to their some technical issue , From more than 2 months i am calling them, till now they couldnt solve my issue . Every customer service agents will say as they will send a reminder email and i will get call back asap , but no one care to call till now . Really pathetic service and they are real robbers !!! Just know how to treat their customers so badly … They dont care how much ever we request !! Really regretting so badly for being a RAK CUSTOMER

19-12-2023

John   Italy

Card online payment issues

Online payment of rakbank cards cannot be done unless the amount is above Aed 100. So if you have a outstanding bill of aed 5 or 50 you cannot do the payment online. Or else you can pay aed 100 so that the customer loses money on a credit card bbill that was maybe say for example aed 5. Illogical and very unprofessional policies by this bank.

17-12-2023

Jac   India

Urgent Call for Help!

Unbelievable situation – the RAKbank recovery team is threatening my elderly parents, and we have ZERO ties or liabilities with RAKbank! 😤 Why are they harassing my parents for someone else’s debts?

@RAKbank, this is unacceptable! I demand an immediate investigation and resolution. Let’s spread the word and stand against unwarranted threats. Share this post to expose this injustice. 🙏 #StopHarassment #RAKbankUnfairPractices

15-12-2023

As Haggar   United Arab Emirates

Low quality Customer service from Ms. Amani or Omani

Low quality Customer service from Ms. Amani or Omani
It is not something personal, but I did call on 14:30 14 dec 2023 and it was really disappointing to find customer service speaking like ivr or reboot, not willing to listen to customer to say one word.. Which kind of service is this? Are hiring staff to make customer complain or to assist the customer?

Please train your agent that you are hiring human so that handle things depend on case basis,, not depend on 1234 policy and rules, even in military service there is a space consider special situation,, at least give a customer a chance to speak say one word,, however, If bank care about their clients, the management should find a serious solutions to prevent such repeating issues happening again and again

15-12-2023

Laurice   Philippines

Insurance

I got a call from RAK Bank offering me the insurance. The agent is very nice on the phone and I agreed to check the policy first and pay in instalment plan. The call was made on Friday. Monday, they hold the annual fee amount of AED1003. They have not even sent me the policy. I called customer service- it seems like there are no agents as I have been trying to talk to an agent and the waiting period is never ending. worst customer service plus fraud. I chat with an agent in Live chat and it’s just like an automated who answered.

12-12-2023

Chris   Egypt

No customer centricity

No customer centricity

07-12-2023

Leona   Philippines

liability letter

The staff are so kind and are so nice..Ms. Ashjan Almarri she is the best,when she knows im pregnant she called me and assist me she cares about the customers…Thank you so much mam Ms. Ashjan.

30-11-2023

Ashton Diza   United Arab Emirates

money trnsfer

this is by far the most terreble bank in uae you need more than two weeks to transfer 3000aed

18-11-2023

Bunu   Nepal

Not credit my funds

Its been more than 10 days i did txn on 25 oct 2023 but still not credited in my account.Here is ref no 000126951583 very unprofessional staff they dont know actually and this is first bank i saw call puting in hold more than 30 mins really bad

06-11-2023

Arul   United Arab Emirates

Bad bank service ever

Bad experience

04-11-2023

Arul   United Arab Emirates

Bad service ever from banking sector

Bad experience customer care

04-11-2023

ANAS BIN HANEEF   India

too bad to connect to customer care service

too bad to get connected to customer care.
i tried a whole working day to reach them but no one connected yet !!
no customer orientation
giving no values to customers

03-11-2023

ashraf   United Arab Emirates

loan

I request for change in the date of payment for my personal lean because I can’t deposit on the 3rd of nov as you can see I send money to my family in Palestine and no one cares as I’m a loyal customer now with RAKBANK for 8 years and I didn’t miss any payment from my side when I request they reject 2 time

31-10-2023

Jac   India

Experiencing harassment from the Rakbank

Experiencing harassment from the Rakbank debit recovery team, even though I’ve never been a Rakbank customer and have never lived in the UAE. My elderly family members are also being affected.

27-10-2023

Jericho Rosales   United Arab Emirates

Banking

Nice

23-10-2023

Ivan   United Arab Emirates

Cheat you into taking their products

They cheat you to take their credit card by misleading and false promises by saying you will get a joining bonus of AED 500. But when you get the card there is no joining bonus. Don’t trust them especially someone called Camillo who only lies to get his sale. Will never trust any of these bank people.

18-10-2023

Chandran   India

Services

Very bad

14-10-2023

Andre   Portugal

Terrible customer service

The processes of the bank are too old. They continue shutting down branches and not modernizing their processes. I have accounts with other banks in the uae and never had to go to the branch office. With rakbank it’s for everything, document updates, phone numbers, etc. Their support channels don’t know anything, sometimes giving contradicting information. Just absolutely terrible. Because customers are so frustrated of course the employees can’t be really pleasant all the time, they can’t do anything. Just bad management.

03-10-2023

Moazzam Abdul faiz   United Arab Emirates

Credit card

This bank is scamming its own customer first they told me to deposit 40k to open the account in fixed deposit then they gave me credit card which I never used when I went to take my fixed deposit after 1 year it was 40k and 80 dirham interest and they card me 787 dirham for cancellation of my credit card which I never used I lost 707 dirhams of my hard earned money they are just thief before opening the account the employee didn’t tell me about the charges sorry to say but u people are thievs

24-09-2023

Angelo Turetta   United Arab Emirates

World Elite Mastercard Credit card

Horrible service
I never had a card with such a high rate of failed transactions
I think the backing IT services are so poorly implemented that they cannot keep up with transactions
I had transactions denied in restaurants, gcar service stations, even online on amazon.ae
I cannot believe they have the bat taste of charging 1500 aed per yeayfor such a awful service
And this is their most valuable card, can’t imagine how abismal the service could be on lower end cards.
Unbelievable

11-09-2023

Jalel Khedher   United Arab Emirates

Processing Charges for Flexi Installment Plan on School Fees

This is the worst bank I have ever dealt with during my last 16 years in Dubai! In the beginning, I heard a lot of positive things about RAK Bank, I wanted to try its services by applying for a RAKBANK Emirates Skywards World Elite Mastercard® Credit Card. The main objective for applying for this card was to pay the school fees for my children. So far I have paid all of them through flexi instalment plans with 0% processing fees & 0% interest. This year, my children changed school, and when I paid by the card & applied for flexi installment plan as usual for school fees, they called me back to tell me that now there is a processing fee of 4% for 12 months’ installments. I found this ridiculously high, I do not think any of the other banks in UAE apply such a high rate for school fees!! When I tried to discuss with the the person who called me on the phone, he had no power to do anything, and he made me understand that I had clearly no choice but to accept what he is giving me, since the payment has been already done & debited from the card. I tried to ask him if he can at least include these processing fees in the EMI itself, since paying it upfront as a lump sum was really high for me. He came back saying again that he cannot do anything and that is how it is, take it or leave it!! Previously, I was really thinking to move all my financial assets from my other bank and move to RAK Bank, but with this unprofessional & unfavorable attitude, I decided that I will rather quit RAK Bank as soon as I clear the credit card’s outstanding. This bank is in no way client oriented, and it is so greedy that I feel I have been scammed!! I strongly recommend not to engage with this bank at any service level, stay away, it is dangerous!!

07-09-2023

Sahil   India

RAK Bank ATM Sonapur

The Security guard of this place is a moron that abuses his power, he will not let you use the ATM that’s situated there because he wants to show his authority when it clearly says the ATM is open 24/7 for public use, He’s a rude illiterate person that does not have the manners to even speak to someone, His name is Khiyamullah from Pakistan. Please look into this matter.

02-08-2023

Robby Nazareth   United Arab Emirates

Bad customer support experience

Delay in resolving the issues. Very slow .. There is no customer support very unprofessionalism. They have no clue when called for support. Advising always go and visit the branch. Made a bad choice changing my bank to RAKBANK

27-07-2023

ashwad   India

customer service

the customer service at RAK khalidiya is very slow.

25-07-2023

Eman   United Arab Emirates

Worst experience

I’m suffering with them from May till now. Whenever I request anything, I regret. The customer service has lack of knowledge, they are not able to provide the full information requested and each one of them provides different information. In addition, when I submitted the request, no follow up. The request took around 1 month with no communication or update from their side and I had always to contact them to move the request forward. The worst customer experience I had ever.

06-07-2023

D13   United Arab Emirates

TOTAL waste of time

Never waste your time applying to open a bank account with this bank, they will just ask you for loads and loads of documents, even personal questions which have nothing to do with the account, then keep you waiting for 2 weeks just to send you an automated message informing you that your application was disapproved ! total and complete waste of time.

24-06-2023

Fabio   United Arab Emirates

TT transfer !!!

Worst service and organisation ever

23-06-2023

SUNILA JACOB   United Arab Emirates

CUSTOMER SERVICE

TODAY ,I WENT TO AL QUASIS RAK BANK, -BUSINESS BANKING,MRS.SHERIN MANSOR WAS THE BANK REPERSENTATIVE AT THE COUNTER, SHE WAS VERY GOOD AND SUPPORTIVE.

23-06-2023

Fares   United Arab Emirates

Hidden charges everywhere

Stay away my only advice

21-06-2023

BRIAN WILLIAMS   United Arab Emirates

RAKBank credit cards dangerous for online use

RAKBank security measures for credit card online transactions are weak in the extreme with no consumer protection other than easily spoofed OTP.

I approved a 10AED charge via OTP and 10,000AED was taken from my credit card. RAKBank says this 10,000AED theft is my fault since I approved it via OTP. I APPROVED 10AED, NOT 10,000AED!!!!!!!

Other credit card providers have antifraud features to monitor consumer spending and to prevent frauds like this.

Use RAKBank credit cards online at your own risk.

19-06-2023

sankar   United Arab Emirates

very friendly and helpfull

i would appreciate Mr Hisham Elimam working at ummhurair branch was very helpful and attentive .

13-06-2023

Shibu   United Arab Emirates

No service

The customer service staff are either told not to respond to mails or they do not have any idea on how to serve customers. Mails sent to them will have only the auto respond reply. Call will automatically go to voice mails and they will not call back. A 100% useless and dumb bank.

19-05-2023

Brahim   United Arab Emirates

Horrible experience

Horrible experience dealing with customer service and facing to hidden fees One star because I can’t give ZERO

18-05-2023

Utpal Narayan Parashar   India

Useless and outdated banking services

No true customer support. Zero service request acceptance. Outdated and useless mobile application. Very few atms. Nothing is good.

30-04-2023

Rampulztilskin   United Arab Emirates

If there’s something called Worst than Worst, then that’s their Collections Agency

I just cannot understand why RAK Bank, a known Bank, would get Sunshine Solutions services. The way they handle their clients, especially those in retention, is very unprofessional and unsympathetic. They even would go their way to call your HR manager and ask why they are not giving the salaries on time (that’s why people are delaying to pay the bills). I decided to close my account with them even if it will affect my credit standing. Dealing with their agents is a serious nightmare. I will even stop recommending this bank to the people who would come to me and ask for bank recommendations, and will even share with them the worst customer service handling experience that people get from them.

28-04-2023

Muhamed Raees   United Arab Emirates

The best frauds in UAE

They will make your payments cash advance and they will charge AED 99 + VAT, And if you call to their customer care, they will shout at you

01-04-2023

Muhamed Raees   United Arab Emirates

The best frauds in UAE

They will make your payments cash advance and they will charge AED 99 + VAT, And if you call to their customer care, they will shout at you

01-04-2023

Giovanni Luzzati   United Arab Emirates

Worst bank I ever have to deal with

just stay away from this bank is not a bank you can deal with is bunch of unprofessional people rude they don’t have any clue about banking waste of time

31-03-2023

Christina   Philippines

Personal loan

Worst experience ever in this bank personal loan took one month waiting then there is no update from the agent after all documents and verification done they will say it’s not yet process. Worst bank ever and I will never recommended this bank to my friends.

14-03-2023

Tam   United Arab Emirates

Useless customer service

Opening an account took one month. The account managers aggressively force you to sign the papers then they don’t bother to come back to you on next steps. They are just hungry to get commissions but don’t care what happens to you afterwards.

28-02-2023

Ramana   India

Credit card

Good

10-02-2023

Hozefa Yusuf Ali   United Arab Emirates

customer service

worst customer service in RAK bank

06-02-2023

Hussain.abdelmuti   United Arab Emirates

Account opening

Good service

13-01-2023

MARY   Philippines

RED CREDIT CARD – MAX LIFESTYLE INSURANCE

ITS MY FIRST TIME TO APPLY FOR RAK BANK CREDIT BANK AND IT TOOK 3 WEEKS BEFORE I RECEIVED THE APPROVAL AND THE CARD. I WAS SO HAPPY AND I PLAN TO USE THE CARD FOR MY EMERGENCY. UNFORTUNATELY, I GOT CALL FROM 043569234(NATIONAL BANK OF RAS AK K), AT FIRST I THOUGH IT WAS A CALL BACK FROM RAK BANK FOR MY LOAN ON CARD INQUIRY. SO THE GUY WHO IS RAYMOND, MY OWN KABAYAN SPOKE TO ME IN OUR LANGUAGE WHICH I FELT COMFORTABLE. SO I STARTED TO LISTEN TO HIM, AFTER HE MENTIONED THAT IN MY CARD ITS INCLUDED FOR 1 YEAR TO HAVE THIS INSURANCE for 157DHS A MONTH FOR A YEAR. I ASKED MANY TIMES IF ITS MANDATORY(SINCE ITS MY FIRST TIME) HE KEEP ON INDIRECTLY TELL ME THAT IF I CANNOT I CAN PAY 157DHS THEY ALSO HAVE 90DHS WILL THIS AND THAT BENEFITS AND NOW A DAYS RAMPANT RECESSION HERE IN UAE. SO WE MUST HAVE THIS INSURANCE. HE DIDN’T ASKED ME AT ALL THAT IF I NEED IT OR NOT? HE PUSHED ME TO SAY YES TO WHAT HE ASKED. SO I WAS TRUSTING SO MUCH THAT I DIDN’T NOTICE. AND HE TOLD ME THAT MY DOCUMENTS IS WITH HIM SO THEY CAN PROCESS IMMEDIATELY. AFTER THAT CALL IM SO LOST THAT I CALL MY FRIEND FOR ADVICE IS IT MANDATORY OR NOT. THEN IT WASN’T SO I CALL THEM AGAIN BUT I SPOKE WIHT DIFFERENT PERSON SO THEY REQUEST TO CANCEL. I CANCELLED IT BEFORE ITTHEY PROCESS YET I RECEIVED THE SMS THE IT WAS PROCESSED. AND I DON’T HAVE ANY CHOICE BUT TO CONTINUE OR CANCEL AND PAY CANCELATION FEE. WHAT A MESS I FEEL SO STUPID TO THE POINT HIS MY KABABAYAN AND HE CHEATED ON ME. I I POST THIS TO REMIND EVERYONE NOT TO TRUST ESPECIALLY CALLS WHICH IS NOT EXACTLY SCA BUT PUSHING YOU TO AGREE TO THEM.

08-12-2022

Zak   United Arab Emirates

Very bad customer service and senior management

The customer reads out a script given to them and they cannot explain or be reasonable for any questions asked. Even Senior management has no response to emails. Contacted atleast 5 senior management persons to report a critical issue and no one is bothered to even respond once. Also they come up with internal policies suddenly that make customer experience very bad. Do not recommend to have any dealings with this bank.

16-11-2022

Jessica Campbell   United Arab Emirates

It’s a trap

It’s a trap!! Never ending cycle of debt!
The bank charges per month are 460 AED… Where this charge came from all of a sudden, who knows… I pay on the 29th every month, on the 5th of the next month i am charged 300 aed for late payment fees because i have not paid that current month yet when it’s only 5 days into the month. I am paying more than the monthly installments per month however my outstanding balance is not decreasing, when I query this, i am made to feel stupid… I understand i should be paying interest, however i also know that if you pay more than the minimum monthly installment your balance should decrease considerably… If you take a credit card with RAK bank you will lose incredible amounts of money… Also when i receive these messages about late payments they often come with phone calls, even to the work telephone, harassing me for payments and threatening to file civil cases against even though i make regular payments every month… I can not wait to close this account, however i have read reviews that even doing this is a struggle… I can’t warn people more about not using this bank..
They trap you with the low interest rates and then kill you with other fees and charges.

Don’t do it. God willing this bank will go bankrupt and scam no more people.

09-10-2022

Yasmin Abdalkhalek   United Arab Emirates

Terrible customer experience

They are stealers, always charging me the insurance although I have requested many times to cancel it a s accordingly they charge me late fees account. No resolving to my complaints. Ridiculous working hours , very long waiting time, unprofessional customer agents.

23-09-2022

Shannon   United Arab Emirates

Just the worst experience

It took forever to get the credit card… Almost 8 weeks…my payments are scheduled for the end of the month however i receive threatening and harassing calls and messages mid month, stating if i dont pay 1500 in the next 3 days, my CC that was outstanding only 10000 aed will be increased to 22000 aed. Please read the reviews on reddit… The stories are shocking. There are many many banks in the uae… Better banks… Don’t use RAKBANK,your life will be a nightmare.

17-09-2022

Gp   India

Customer support is worst very less staff

Bad experience customer support not attending the calls and chats very less staff from customer support

04-08-2022

Sana |   Verified   United States

Decent

This bank granted me a credit card after only requiring a few documents from me! My card arrived two days later and was already activated! It was really simple and quick.

23-05-2022

Sana |   Verified   United Arab Emirates

Good

I requested a credit card from this bank, but they only required a few documents from me! Two days later, my card arrived, and it was already activated! It was extremely quick and easy.

30-04-2022

Samuel |   Verified   United Arab Emirates

Delightful

I requested a credit card from this bank, however they simply asked for a few documents from me! My card arrived two days later, and it was already activated! It was extremely quick and convenient.

03-02-2022

Annie |   Verified   United Arab Emirates

Fast delivery

I requested from this bank a Credit Card, they just requested some documents from me only! Two days later, my card was delivered to me and was activated as well! Very fast and really convenient.

21-04-2021