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Rakbank / The National Bank of Ras Al Khaimah
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Rakbank / The National Bank of Ras Al Khaimah
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2.7 404 Reviews

Rakbank / The National Bank of Ras Al Khaimah Complaints Summary

169 Resolved
234 Unresolved
Our verdict: Dealing with Rakbank / The National Bank of Ras Al Khaimah, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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Rakbank / The National Bank of Ras Al Khaimah reviews & complaints 404

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Newest Rakbank / The National Bank of Ras Al Khaimah reviews & complaints

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11:14 am EST
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Rakbank / The National Bank of Ras Al Khaimah flawed cashback schemes

Rak bank simply better?
Please change this tag line, it does not suit the services and/or policies of rak bank.

My complaint is primarily focussed on the false, bogus and totally flawed cash back schemes run on rak bank titanium credit cards.

The card is sold to the customers by ensuring a 3% cashback and sometimes even a 5% cashback. And after a few months of usage when you realize the cashback is not in line with the promises made, you call the call centre and come to know that the scheme offers a 1% cashback on purchases made below aed 10000 pm, 2% on purchases made from aed 10000 to aed 25000 pm, 3% on aed 25000 plus purchases pm, and 5% only on international usage!

If that lie is not enough for a "simply better service", there are more ways to make fool of customers.

For my september bill, I ask why I received 1% cashback when I was entitled for a 2%. I get a reply that my bill is less than aed 10000. Then I ask why a bill of 9503 when my spending is very well above 10000 & hence entitled to 2% cashback. I get a reply "sir you have to make the purchases before 14th of every month to get them included in the credit card statement and hence get you 2% cashback. We cannot do anything in this case."
At least the telecaller was polite & I tried to forget this case & lose aed 100.

Now for the current month again when my statement was 9124, I make it a point to go and buy worth 1100 odd on 13th night to get the 2% cashback & not leave rak bank with any excuses. But to my utter surprise, rak bank has another new way of justifying the aed 100 loss to its customer by saying "sir it is jack's fault that they took the money on 17th not ours & u better deal with jacky's!" and wow what a rude tone & on asking do I scrap my & my family rak bank cards, a very convenient answer pops out of my telephone set "sir it is entirely your wish!"

Is this what you call "simply better"?

So a net loss of aed 200 in three months time, please give me one good reason why not to be upset about the entire scenario!

Read full review of Rakbank / The National Bank of Ras Al Khaimah and 11 comments
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Vinnyrajeev
, AE
Sep 19, 2018 4:28 am EDT
Verified customer This comment was posted by a verified customer. Learn more

My name -vinnyrajeev, my loan is not released now, saying that they want clearance letter, my earlier bank given closure confirmation, it means no pending with them. Then what is the logic on blocking my loan

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Adel2017
, AE
Sep 10, 2018 11:47 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I’ve used my RAK Bank Matser Card once in Dubai Airport for an amount of AED 240. I paid 240 + 20 (interest) = AED 260.

However, the bank is adding each month 250 AED as penality for paid amount!

I decided to not pay these penalities.

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mustafa shahid
, US
Sep 11, 2018 5:48 am EDT

Please told him to contact me Mr.Mustafa Shahid as he blocked my number as well and whatsapp

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Ajith Bhadran
, US
Sep 06, 2018 3:43 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Today I get a call from rak bank collection department (call from [protected] at 3.12pm) Rak bank representative talk to me very roughly and I feel like blackmailing.So please take necessary action as soon as possible, otherwise should given to that representative better training for customer support.Await for a honest reply.

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Abdul zahid
, AE
Aug 21, 2018 2:50 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Call out my number .im waiting for last 90mins in the branch just for a auto loan payment form.and staff service is disgusting specially there is guy who dont how to talk with the customer.punit lalwani

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agwan
, US
Aug 20, 2018 12:24 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

i have cancell auto debit sysytem in my account

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Krishnapal Singh
, US
Aug 20, 2018 6:47 am EDT

RAK bank is the worst bank when it comes to charges and collection. Their collection team is most provocative and abusive. They will go to any strength to humiliate the customer. People beware before taking any credit card or loan from RAK bank.

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Rakbank / The National Bank of Ras Al Khaimah
Aug 27, 2018 6:18 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Dear Customer,

Please contact us on 04 2130000 or provide your contact number for us to reach you.

Thank you

RAK BANK TEAM

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xtremely
, AE
Apr 19, 2014 4:12 am EDT

RAK bank are really stupid, someone called me and asking 7000 Dirhams for the credit that was closed 10 years. RAK system is completely rubbish! The system they is actually applicable of a trading who's doing this statement manually. Can't imagine how RAK bank hired this stupid and uneducated people... don't know how to deal with the people.

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|Mark Anthony Madrigal
, QA
Sep 06, 2010 2:35 pm EDT

I agree with the above comments, Their people are worst, they don't know the basic personal service. Is there anybody deal with this stupid Cristeta Balneg? I wonder how she landed a job in this kind of service?

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Firoz 500
, AE
Aug 10, 2010 6:10 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Actually its not the problem of the Bank, RAK bank is good but the person dealing with the customers are [censor]. They are just having basic education but talking skill is more. I want to write more about this type of things but i know its useless. Who will care but the Bank is just loosing its goodwill.
By
Firoz 500.

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5:01 am EST
Resolved
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Rakbank / The National Bank of Ras Al Khaimah credit card repayment

I had credit card with rak bank in uae when I was working in abu dhabi and due to bad sponsor and bad management I had to leave the country that too they made me to leave the country in bad way for which I am banned in the country for furthur jobs. Due to which I had financial crises for many months and I was unable to make payments for the credit card.

I had emailed them several times that I can make the payment in installment or I can pay them in emi which is accepted in every bank in but rak says they won't accept the payment like this, and they want all the money in one shot, which is literally not possible for my at my current situation. I requested them many time, and I had some payments as well but this bank despite of knowing all the situation are imposing interest further and making the things critical for me, and now a days they started threatening me for making the payments. And even my old parents are suffering because of all this mess created by bank. I tried to contact senior officials in the bank but never got there contact ids.

I am writing here hoping to get some help from here, I never said no from making payment only thing I require is some time may be of 4-5 months and they should roll back the interest rates imposed on me so that I can make the payment for the actual I had spend which could be in benefit of both.

Credit card no : [protected]
Bank : rak bank
Uae

Regards
Aby george

Read full review of Rakbank / The National Bank of Ras Al Khaimah and 5 comments
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Reviewer38658
,
Nov 24, 2015 1:45 am EST

My credit card no [protected] was auto w/off in 2011 i have paid o/s dues of aed 4 only still the collection department is not clearing o/s amount. Numeras mails have been send to them no response i have paid aed 4 on 5.2.15 still same is not updated in their system

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NON PAYMENT
, AE
Jan 14, 2011 5:04 am EST
Verified customer This comment was posted by a verified customer. Learn more

I ABDUL MANAF KT. CARD HOLDER OF-[protected]
BILLING DATE 14/12/2010 DUE DATE 8/1/2011.
THE ABOVE PAYMENT IS DUE- PENDING. BECAUSE MY GREAT MOTHER EXPIRED ON 3/1/2011
NOW IAM AT HOME TOWN IN INDIA. ON 20/1/2011 IAM AT U A E, AFTER I WILL PAY THE AMOUNT.

14/1/2011 REGARDS. ABDUL MANAF KT.[protected])

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Ahmedqidz
, AE
Jun 03, 2010 12:19 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

They have unprofessional, ugly, bad mannered and cheap people in the Bank, it is the worst bank to apply for a card, they just want you hear what they say without hearing any part from you. I suggest we all write to the media and let the media take it up. Anyways i am closing my card with these [censor]. but i suggest we raise it to everyone so no body applies any card or loans from them. THEY ARE THE BIGGEST LOAN / CREDIT CARD SHRKS. SPREAD THE WORD THORUGH ALL MEDIUMS LET THEM LEARN.

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hussainmd
, PK
Apr 07, 2010 5:34 pm EDT

Join this group. I also have a debt with rak bank for 20000 Dhs. We are building up to raise and talk to them in public.
http://www.facebook.com/home.php?#!/group.php?gid=110407465652195&ref=ts

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uae-2010
, AE
Mar 30, 2010 11:50 pm EDT

ABy where are you now. Interested to know your status

ComplaintsBoard
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3:31 am EDT
Resolved
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Replied
Rakbank / The National Bank of Ras Al Khaimah has left an official reply on this complaint.

Rakbank / The National Bank of Ras Al Khaimah insurance claim on ak bank card

This is with ref towards the insurance claim of my card [protected].

Im so sorry to say that the response from Ms tanias end is totally dejecting and just because of her irresponsibilty and wrong information I have lost my insurance.

Upon losing my job i called up RAK bank and they guided me to your number and upon calling (after trying for 1 full week where everytime the call would deliberately go in voice mail, which I was able to understand from my experience with your service) you had informed me to provide my Termination letter, Visa cancellation page, Offer letter .Ms tania fernandez informed me to come to the branch and provid ethe documents.You also added that the same will be processed in 3-4 weeks.U informed me that I can submit the same within 3 monthsupon cancelling my visa

I came to your office as per your instruction and at that time you told me that you need the visa page without cancellation.
Later on I scanned the documents and forwarded to Ms Tanias end.There was not any response and i used to try daily to conatct her and for a month thecalls were not answered and the same as mentioned before would go to voice call.Finally I got the phone connected to one of your colleague and thru her i got a chance to speak to you.The way of your talk was so rude and you were yelling at me and you told that my case will definitely get declined because i have crossed 60 days upon losing mey job.Later on you told that you have not recieved any information from the insurance, and again you gave me hope saying that my insurance may get processed as my termination was genuine.

Now Its going to be 6 months and till date no response and nothing.Im entitled for around 4500 Dhs as I was paying for the credit shield.My termination was genuine and if my insurance claim is declined its nothing but coz of your improper information which have misguided.If you misguide in such a way no one will get their insurance cliams.Upon losing my job, when i calle d her up why didnt they inform me the procedure, why did she ask fo rteh cancellation paper.
I need a clarification or else i will go legally against this and would definitely make the public aware of such forgeries that the employees are doing inorder to make a persons insurance get declined.I swear that I will go to any extend to make this sorted out so that atleast the rest people will not get fooled.

Sajina
[protected]@gmail.com

Read full review of Rakbank / The National Bank of Ras Al Khaimah and 6 comments
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if@
, AE
Mar 01, 2019 9:52 am EST

anybody has idea do rakbank cover death insurance?

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Omar Salem Obeidat
, US
Sep 06, 2017 6:51 am EDT

Credit shield is a big lie they use to take your money

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Rasi
, AE
Jan 23, 2012 10:42 am EST

I took credit card loan of 65, 000 dhs from RAK bank for repaying in 48 installments. Already I have paid 39 installments with credit shield. The paid value as credit shield is over 12000 Dhs. Now suddenly bank has cancelled the credit shield facility without my request & I am going to loose over 12, 000 Dhs and the credit protection.
Can I take any legal action for this ? Can I request the bank to repay the paid money as credit shield ? Anybody knows the proper action to take against the bank ?
rasikasam@hotmail.com

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zaink
, AE
Mar 06, 2011 10:54 am EST

same experience with First Gulf Bank

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adnan ansari
, AE
May 26, 2010 11:47 pm EDT

Same they did with my brother Adeel Ansari, but that was dubai Bank. i think they all use same techniques ..

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Wasy M
, AE
Dec 03, 2009 6:12 am EST

Good...one

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5:58 am EDT
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Featured review
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Rakbank / The National Bank of Ras Al Khaimah - 150+ continuous sms re late payment every minute of the day

my husband has just been made redundant from work which really affected our financial situation. I have been trying to regularize payments with my RAK Bank credit card and have requested their bank to reconsider letting me pay an amount i can afford at this stage until i am able to regularize which is about 2months from now. at least i am exerting effort to...

Read full review of Rakbank / The National Bank of Ras Al Khaimah and 15 comments
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Contact Rakbank / The National Bank of Ras Al Khaimah customer service

Phone numbers

+971 42 130 000 +971 72 064 444 More phone numbers

Website

rakbankdirect.ae

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