RAKBANK Personal Loan Customer Care

Personal Loan in UAE
  • Minimum Salary 5000 AED
  • EMI Tenure up to 48 Months
  • Lowest Interest Rates

Get personal loan at Lowest Interest Rate

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other

Established in 1976, RAKBANK, also referred to as the National Bank of Ras Al Khaimah, is a prominent financial institution in the UAE. With 21 branches and electronic banking services, RAKBANK offers comprehensive personal and business banking solutions while also providing Sharia-compliant banking and financial services through RAKislamic.

RAKBANK is a popular choice among those looking for personal loans in UAE. The bank’s personal loan is available with features such as high personal loan amounts and attractive interest rates, allowing expatriates as well as UAE nationals to enjoy flexible repayment terms of up to 48 months (60 months for Armed Forces Staff).

How to Contact RAKBANK Personal Loan Customer Care?

One of the distinguishing features of RAKBANK is its commitment to providing excellent service and support to its customers. As a RAKBANK personal loan user, if you have any queries or concerns or require assistance with respect to your loan, you can conveniently connect with the RAKBANK personal loan customer care team.

Here's how you can get in touch with the bank’s customer care -

  • Online form: This is the most straightforward way to contact RAKBANK personal loan customer care. For this, you would need to browse the RAKBANK website and fill out the online form on the ‘contact us’ page. Once done, one of the bank's representatives will get back to you within one working day.
  • Phone: For urgent matters that require immediate attention, you can contact RAKBANK's contact cen-tre, which operates regularly from 9 am to 6 pm (including public and national holidays). However, if you need assistance in an emergency outside these hours (such as reporting fraudulent activities), you can reach out to the contact centre by dialling +9714 2130000 or 600 54 4049 and +9717 2064444 (for international calls).
  • Head office: In case you are required to visit the RAKBANK Head Office in person, you can take note of the address as follows -

RAKBANK Head Office

P.O. Box 5300, RAK Operations Centre, Emirates Road, Ras Al Khaimah, UAE

  • Telephone and fax: You can also connect with RAKBANK personal loan customer care through phone or fax. For this, simply call 04-2130000.

If you are a RAKBANK customer, you can dial 600 54 4049. For RAKislamic customers, the number is 600 54 0044. In case you need to send a fax, you can use the number +971 4 3263640.

Features and Benefits of RAKBANK personal loan

Here are the general key features and benefits of a RAKBANK personal loan -

  • Easy application: You can easily apply for a RAKBANK personal loan (online and offline) as the bank has taken numerous steps to guarantee a hassle-free experience for its users.
  • Quick approvals: The short approval times for RAKBANK personal loans ensure that you get to access the necessary funds without any delay.
  • Attractive interest rates: RAKBANK provides personal loans at reducing interest rates in the range of 5.49% and 19.99% per annum (p.a.). As a result, you can borrow money without worrying about hefty interest. 
  • Auto loan offer: For customers with an aecb score of 651 or above, RAKBANK offers an attractive auto loan at a flat rate of 2.85% p.a., making it an appealing option for purchasing a new vehicle.
  • Flexibility in repayment: RAKBANK offers flexibility in loan repayment by providing a choice of repayment periods ranging from 6 to 48 months. This way, you can select a repayment term that aligns with your financial planning.
  • Seamless loan takeovers: A notable feature of the RAKBANK personal loan is that it facilitates easy loan transfer from other banks, making it convenient to transfer your existing loan to RAKBANK and enjoy all the features discussed here.
  • Free chequebook and debit card: By availing of a RAKBANK personal loan, you are entitled to a free RAKBANK debit card and a personalised chequebook, enhancing your banking convenience.
  • Free credit card without any annual fee: The bank provides a free RAKBANK credit card to personal loan customers without any annual fee. This allows you to enjoy the incredible benefits of its credit cards without any additional costs. 
  • Instalment deferrals: RAKBANK offers the flexibility to defer up to two monthly loan instalments per year (provided at least six instalments have been paid against the loan). This feature can provide temporary financial relief as and when needed.

Wrapping Up

With a RAKBANK personal loan, you can enjoy features such as a simple application process, swift approvals, attractive interest rates, flexible repayment periods, and attractive benefits like complimentary debit cards, personalised chequebooks, free-for-life credit cards, and more.

In case you have any query or issue related to your RAKBANK personal loan in UAE, you can always utilise the RAKBANK personal loan customer care as discussed in the article above. Dedicated to providing exceptional services and support, the bank also prioritises timely responses and offers extended hours for urgent matters.

Check out some FAQs related to RAKBANK personal loan customer care below:


Q1. What does RAKloan offer?

Ans: RAKloan is a specialised personal loan designed exclusively for employed individuals who receive their salaries in a RAKBANK account. With RAKloan, borrowers can get up to 20 times their salary (15 times for Armed Forces Staff) for various personal requirements. A key feature of this loan is that it is conveniently repaid through automatic deductions from the borrower's salary.

Q2. What are the age criteria for obtaining a RAKloan?

Ans: The minimum age requirement for RAKloan applicants is 20 years and six months for UAE nationals and 21 years for expatriates.

Q3. Can I get the RAKBANK personal loan with AED 3,500 salary?

Ans: No, you must have a monthly salary of at least AED 5,000 to be eligible for a RAKBANK personal loan.

Q4. What is the age limit for loan maturity?

Ans: For UAE Nationals, the loan maturity age is either 65 years or the retirement age (whichever comes earlier). For expatriates, on the other hand, the loan maturity age is either 60 years or the retirement age (whichever comes first).

Q5. How long can it take to repay a RAKBANK personal loan?

Ans: You can repay your RAKBANK personal loan over a tenure of up to 48 months. Note that the tenure can extend up to 60 months if you're a member of the Armed Forces Staff.

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