SME Solutions | Rafidain Bank

Built for Business Growth

From startups to established mid-market companies, our SME division provides the liquidity tools and operational infrastructure necessary to scale efficiently in the UAE and beyond.

Smart Business Accounts

Open your account entirely online within 48 hours. Enjoy multi-currency capabilities to manage supplier payments globally without excessive FX margins.

✓ Zero minimum balance for year one
✓ Free unlimited local transfers
✓ Dedicated business debit cards

WPS & Payroll Services

Stay 100% compliant with the UAE Ministry of Human Resources. Our automated Wage Protection System (WPS) portal ensures your staff are paid instantly and accurately.

✓ Bulk upload integration via API
✓ Instant compliance certificate generation
✓ Free employee salary accounts

Merchant & POS Solutions

Accelerate checkout with next-generation Point of Sale (POS) terminals and secure e-commerce payment gateways supporting Apple Pay and Google Wallet.

✓ Next-day settlement on all transactions
✓ Dynamic Currency Conversion (DCC)
✓ Real-time sales analytics dashboard