I had an outstanding of Dirhams 10.90 on one of my cards. Guess what I get slapped with a charge of 159.00. When i called and requested that this charge be reversed, they said I'm sorry but we can't. Inspite of me having a decent payment record. Take my word for it. I have banked with 3 or 4 banks in the UAE and no one else is better than RAK Bank. RBS is the most horrible bank not only because of this but now they charge you an AED 10 monthly fee on your Credit Card. read full review »