Mobile Banking FAQs

What is RAKBANK Mobile Banking?

RAKBANK Mobile Banking solution is designed to provide you seamless connectivity to the Bank. You can now access your account details, make Credit Card and utility bill payments and transfer funds instantly at your convenience, through your mobile phone.

How do I register for RAKBANK Mobile Banking?

You can register for below mentioned RAKBANK Mobile Banking services through Online Banking channel or by visiting our branches.

• Mobile Banking Application designed for browser enabled phones.
• USSD (Unstructured Supplementary Service Data) based mobile channel is a GSM service from Etisalat telecom provider which is menu driven banking services available for use on low end mobile phones.

How do I know if my phone is compatible?

Mobile Banking Application
Application based Mobile Banking is supported by most of the browser enabled phones. All you need to ensure is availability of an active 3G/ WIFI/ Edge connection (i.e. ability to connect to internet).

Mobile Banking Service
USSD based mobile banking is available for use on low end mobile phones and does not require internet connection to access. This service is currently only available for Etisalat subscribers.

How do I check if I have internet connection on my phone or how do I subscribe?

Please go to your mobile phone’s web browser and try opening any website (for example, www.google.com). If the site opens you have an active connection. If it does not open, you need to subscribe for the facility.    
 
Etisalat service provider:

• For post-paid connection you need to call Etisalat on 125 from your mobile phone
• For pre-paid connection you can press *122*243# or *122*241# and press the call option, or send an SMS “r ewap” to 1010, you will receive settings from Etisalat which you need to save and set as default settings on your phone. You can also call 101 for GPRS subscription.

du service provider:

• For both Pay-as-you-go and monthly plan users you need to send an SMS with the word “du” to 333 or by calling Customer Care on 155 from your mobile phone. An SMS with the configuration settings will be sent to you. Please open and save the settings. 

Can my friend get access to his account using the RAKBANK Mobile Banking application installed on my phone?

This application is highly secure, personalized and will open only with credentials as set by you for mobile numbers subscribed at the time of registration.

I have two mobile phones can I have access to Mobile Banking for my account on both my phones?

You can have this application on two mobile phones. During the registration process you need to specify the secondary mobile number. The primary mobile number is the number that is registered in the Bank records.

What do I do if my activation code has expired?

In case your activation code has expired you can call 04-2130000 and request for a new activation code.

What do I do if I have forgotten my Login password?

In case you have forgotten your Login password, access Forgot Password option which is provided on the home page and follow the below steps:

• Click/Select - Forgot Password option.
• System will ask to enter your credentials like user ID, Primary Mobile Number, Account/Card number.
• Post validation of your credentials, you will receive  Activation code on your registered mobile number (Primary).
• Access Forgot password option for application based service or dial *169#, Enter this OTP and other credentials like user ID, account/card number then system will allow to set new Password.

What do I do if I have forgotten my user id?

In case you have forgotten your User ID, access Forgot User ID option which is provided on the home and follow the below steps:

• Click/Select - Forgot User ID option.
• Enter your Primary Mobile Number and Account/Card - Any other security related info as requested.
• Post validation of user credentials, you will receive OTP (one time password) on registered Mobile Number (Primary).
• Access Forgot password option for application based service or dial *169#, Enter OTP as requested then user ID will be sent as SMS to your Primary Mobile Number.

How do I unblock my service?

In case you have been locked out from RAKBANK Mobile Banking, you can call our Phone banking on 04-213 00 00 to unblock your service.

What if I change my phone or if I lost my phone?

Please call our Phone Banking on 04-213 00 00. We will deactivate your subscription, and you can then activate the same service by following activation steps.

What happens if I permanently change my SIM card?

In case you change your Mobile Number permanently (i.e. New SIM card from service provider), we recommend that you:

• Inform us by calling our Phone Banking on 04-2130000 to de-activate your old mobile number.
• You can then re-register using your new number by following registration and activation steps.

In case the existing SIM is damaged, what happens if the SIM is changed for the same mobile?

Changing your SIM card with the same mobile number will not disrupt access to Mobile Banking service.

Can I access RAKBANK Mobile Banking outside UAE?

You can use RAKBANK Mobile Banking application from any location that is supported by your service provider.

How secure is this application?

RAKBANK Mobile Banking service is highly secure. Application does not store any sensitive information or transaction logs on the phone, which makes your RAKBANK Mobile Banking experience totally secure. Apart from this RAKBANK have other robust security features built into the application. The RAKBANK Mobile Banking service is a ‘trusted’ application Data exchange from this application is encrypted based on best industry standards and dual factor authentication.

How much will it cost me?

RAKBANK Mobile Banking is free of cost. The only cost that applies to you is the network usage levied upon you by your service provider.

What transactions can I currently carry out from my mobile using Mobile Banking?

The following services are currently available:

• Balance Inquiry of all accounts/loans/credit cards/deposits.
• Checking the last 10 transactions in your account/card.
• Utility Payments.
• Transfer Funds within and to any other bank in the world.
• Open F@st S@ver account.