What Is Sanadak and Why It Matters
In 2023, the Central Bank of the UAE launched Sanadak, the country’s first independent financial ombudsman unit. Its purpose is simple yet powerful: to give consumers and small businesses a formal, impartial, and free platform to resolve disputes with licensed banks, insurers, and financing companies.
For individuals and entrepreneurs, this is a game-changer. Instead of entering long and costly court battles, you now have access to a fair and accessible system designed to hold financial institutions accountable and strengthen trust in the UAE’s financial sector.
Why Filing Complaints Matters
Raising a complaint is not just about fixing your own issue. Every complaint filed helps regulators spot patterns of misconduct, pushing institutions to behave better and act more transparently.
Because Sanadak operates independently from banks and insurers, you can be confident that cases are reviewed objectively and based on merit, not influence. And since the service is free, you can pursue justice without worrying about legal fees.
By filing a complaint, you’re not just protecting yourself, you’re contributing to a stronger, fairer financial system for everyone in the UAE.
How to File a Complaint via Sanadak
The process is straightforward, but precision is key. Here’s how it works:
Identify the Issue
Define the problem clearly, whether it’s a bank account error, a disputed loan, or an unpaid insurance claim.Contact the Institution First
You must first lodge a formal complaint directly with your bank or insurer and allow them at least 15 days to respond.Submit to Sanadak
If you’re unsatisfied, you can escalate your case to Sanadak via:The official website or mobile app (recommended for easy tracking)
The hotline (800-SANADAK)
Email or an in-person visit
Provide Evidence
Complete all required fields and attach supporting documents, contracts, bank statements, receipts, or correspondence that strengthen your case.Track and Respond
You’ll receive a case reference number to monitor progress online. Sanadak will investigate and provide a resolution proposal. If you disagree, you have the right to appeal.
Important: Complaints must be filed within three years of the incident or two years from the date you became aware of it, and must relate to a financial institution licensed under the Central Bank’s supervision.
How Dawia Family Office Supports You
At Dawia Family Office, we know how high the stakes can be when your financial rights are on the line. That’s why we support you through every stage of the Sanadak process:
Reviewing your case and preparing the complaint
Filing on your behalf with complete supporting documentation
Monitoring case progress and keeping you updated
Advising you on next steps, including appeals if necessary
By working with us, you save time, reduce stress, and gain peace of mind knowing professionals are advocating for you with precision and discretion.
Final Word
The Sanadak platform is more than just a complaint mechanism, it’s your voice in the financial system. Don’t leave your concerns unresolved or let institutions assume silence means acceptance.
📩 Contact Dawia today to discuss your situation confidentially. Together, we’ll ensure your complaint is handled correctly, your rights are protected, and your trust in the system is restored.
Dawia Family Office
Enlightening the Way