Legal Agreement

This is a legally binding agreement between you and The National Bank of Ras Al-Khaimah (P.S.C.) ("RAKBANK") establishing the terms and conditions under which the RAKBANK website may be used. Use of the RAKBANK website implies that you accept these Terms and Conditions.


Products and Services

Products and services of third parties marketed and distributed by RAKBANK or offered by RAKBANK under the RAKBANK website are available only at the discretion of such third parties or RAKBANK and subject to the products and services individual contractual terms and conditions on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.


Data Protection, Disclosure of Personal Information, and Security

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by RAKBANK from the RAKBANK website from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with RAKBANK’s Privacy Policy and current Information Technology Security Policy.



RAKBANK may terminate this agreement, your access to the RAKBANK website and use of its internet banking service at any time, with or without cause or notice.



RAKBANK reserves the right in its discretion to change without prior warning or notice any information or material contained on the RAKBANK website and these terms and conditions under which the RAKBANK website is used.


Copyright and Intellectual Property Rights

© The National Bank of Ras Al Khaimah (P.S.C), 2009 – 2014. All rights reserved. Copyright in the text, images, photographs, graphics, layout and design of this site are protected by UAE Federal Law No. 7 of 2002 regarding Copyright and Related Rights and international copyright laws. Copyright in this site, and in the code, text, images, photographs, graphics, layout and design of this site, and other copyright works contained in this site, is owned by The National Bank of Ras Al Khaimah (P.S.C), or used with permission. No part of this publication may be reproduced in any form without the written permission of The National Bank of Ras Al Khaimah (P.S.C).


Third Party Sites

Where we provide hypertext links to other locations on the internet, we do so for convenience and information purposes only. We have not verified, and are not responsible for, the content of any other websites or pages linked to or linking to the RAKBANK website including any sites or pages of RAKBANK. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked website or its content by RAKBANK and, subject to any applicable law which cannot be excluded, RAKBANK makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third-party website. Following links to any other websites or pages is entirely at your own risk and we shall not be responsible or liable for any losses, damages or expenses or in any other way in connection with linking.

Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.



RAKBANK does use cookies with customers who sign in to the RAKBANK website, to make access more appropriate and convenient. The cookies are generated once the customer logs into the RAKBANK website and expires once the customer logs out or at a definite time period to protect privacy. RAKBANK does not store any sensitive information such as customer information in the cookies.

You agree that RAKBANK shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using the RAKBANK website unless agreed otherwise in a separate direct contract between you and RAKBANK or required by law.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through the RAKBANK website.


Miscellaneous Provisions

These Terms and Conditions may be amended by RAKBANK from time to time at our sole discretion. Upon amendment, we will place a notice on our homepage. Please periodically review the controlling version of these Terms and Conditions. By continuing to use the RAKBANK website subsequent to RAKBANK making available an amended version of these Terms and Conditions, you thereby acknowledge, agree, and consent to such amendment.

The failure of RAKBANK to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. No waiver by RAKBANK of any provision of this Agreement shall be binding except as set forth in writing and signed by its duly authorized representative.

These Terms and Conditions are fully assignable by RAKBANK and will be binding upon and inure to the benefit of our successors and assigns.

No agency, partnership, joint venture, employee-employer, or franchiser-franchisee relationship is intended or created by these Terms and Conditions. You agree to not make any public statements that assert or imply any relationship with RAKBANK, unless you have RAKBANK’s prior written approval.

If any provision of these Terms and Conditions is found by a court of competent jurisdiction to be invalid, the court should nevertheless endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms and Conditions remain in full force and effect.

RAKBANK reserves all rights not expressly granted under these Terms and Conditions, and no other rights are granted by implication or estoppel or otherwise.

The headings in these Terms and Conditions are for convenience only and have no legal or contractual effect.

RAKBANK reserves the right in its discretion to change without prior warning or notice any information or material contained on the RAKBANK website and the Terms and Conditions under which the Services are used.


Jurisdiction and Restrictions

RAKBANK controls and maintains the RAKBANK website from the United Arab Emirates and RAKBANK makes no representation that the material and information contained herein is appropriate or available for use in other locations/jurisdictions. These Terms and Conditions are governed by laws of the United Arab Emirates. Any dispute shall be subject to the non-exclusive jurisdiction of the courts of the emirate of Ras Al-Khaimah.

We’re here to help

Image text

Your all-in-one financial partner

Simplify your banking experience with our feature-rich app. From payments to payroll, our comprehensive Banking Solutions provide everything you need to manage your business finances from one secure and easy-to-use platform.

app store