Service level of banking in Dubai has a lot or room for improvement. Read this article
here from 7 days newspaper on how HSBC gave the run around.
I used to bank with HSBC swapped over to Mashreq bank but not much better and only a couple of days ago it was reported a local employee with Emirates bank duped millions off customer's.
Big one to look out for here that banks will not be to keen to tell you about. Write a personal cheque and if you do not honor the cheque you will go to jail. No slap on the wrist straight to the slammer.
Wish to cancel a cheque? not so easy its a drawn out process that involves the Dubai Court.
Another one here in Dubai is that credit cards and debit cards are never checked against your signature. Do not lose your card. You could sign Donald Trump and you would still get paid.
Afraid Banks still have a long way to go