ADCB vs RAKBANK: what each publishes
As of October 17, 2026, we hold no rule from ADCB or RAKBANK on the 7 industries we track; below, side by side: where each takes companies from, its fees, its terms on closing accounts and its licence.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | ADCB | RAKBANK |
|---|---|---|
| Crypto | No published rule | No published rule |
| iGaming | No published rule | No published rule |
| Adult | No published rule | No published rule |
| Unlicensed financial services | No published rule | No published rule |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
ADCB
No published rule
RAKBANK
No published rule
Rules about countries
ADCB
In order to hold a Current Account you must be incorporated in the UAE and possess a valid commercial license issued by the relevant government authority in the UAE.
RAKBANK
Other requirements: … Any company with a valid trade licence to operate within the UAE
Fees
ADCB
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business Account Platinum | Not stated | No monthly fee while the monthly average balance is at least AED 100,000; AED 300 in a month it falls below | · Source |
| SmartStart Business Account | Not stated | AED 125 + VAT monthly service fee; no minimum balance | · Source |
| e-Business Account | Not stated | AED 1,800 a year, collected upfront; no minimum balance | · Source |
RAKBANK
No fee we could verify
Closing an account
ADCB
While the Bank shall use reasonable endeavours to notify you before taking action under Clause 16.1, it shall have the right to do so without notifying you in advance.
RAKBANK
Subject to any Additional Terms and Applicable Law, any Service may be closed, suspended or discontinued, in whole or in part, temporarily or permanently at any time, for any reason and except for Third Party Services, we will give you the required notice regarding any such closure, suspension or termination of Service.
Licence
| Licensee | ADCB | RAKBANK |
|---|---|---|
| Licensee | Abu Dhabi Commercial Bank P.J.S.C · bank licensed by the Central Bank of the UAE (register number 01.01.01.040.1985.01) | The National Bank of Ras Al Khaimah (RAKBANK), on the CBUAE register as National Bank of R.A.K P.J.S.C · bank licensed by the Central Bank of the UAE (register number 01.01.01.032.1976.06) |
| Regulator | CBUAE · | CBUAE · |