Ruya Community Islamic Bank LLC - Schedule of Fees
RUYA COMMUNITY ISLAMIC BANK - V6 - APRIL 2026 | ||
|---|---|---|
| Service Fees and Charges | Standard | Max |
| Accounts and Plans | ||
| Monthly Plan | Free | AED 40 per month or Free with:
|
| Plan Downgrade – Debit Card Issuance | Not applicable | AED 26.25 |
| Account Closure within 6 Months | AED 105 | |
| Bank Statements | ||
| E-statements | Free | |
| Printed and stamped Bank Statement – Pickup at Branch | AED 15.75 per calendar month (or part thereof) | |
| Printed and stamped Bank Statement – Delivery | AED 36.75 (Additional courier charges may apply) | |
| Cheque Books | ||
| Cheque Book | One Free Cheque Book, then: AED 26.25 for 25 leaves; or AED 52.50 for 50 leaves | Unlimited free cheque books |
| Stop Payment (per cheque) | AED 52.50 | |
| Cheque Returned – Drawn on Own account (per cheque) | AED 105 | |
| Request for copy of old Cheques/Documents | AED 10.50 for less than one year | |
| Issuance of Manager Cheque | AED 31.50 | Free |
| Courier Delivery for Manager Cheque/Cheque Collection | AED 15.75 | |
| Cancellation of Manager Cheque | AED 52.50 | |
| Post Dated Cheque (PDC) lodgment | AED 10.50 | |
| Post Dated Cheque (PDC) withdrawal/postponement | AED 21.00 | |
| Remittances | ||
| Transfers within ruya | Free | |
| UAE local transfers up to AED50,000 | AED 0.50 | |
| UAE local transfers – above AED50,000 | AED 1.05 | |
| Foreign Currency transfers to other bank accounts outside the UAE (through Lulu International Exchange) | AED 10.50 | |
| Recall of Telegraphic Transfer funds /TT Return/Investigation of TT status/Transfer through the Branch | AED 52.50 | |
| Remittance Advice – Copy | AED 15.75 | |
| Debit Cards | ||
| First Debit Card Issued | Free | |
| Debit Card Replacement | AED 26.25 | Free |
| Cash Withdrawal (through ruya ATM in UAE) | No Charges | |
| Cash Withdrawal (through other bank’s ATM in UAE) | 3 free withdrawals per month | |
| Cash Deposits (through our Partners) | Free | |
| Balance Enquiry Transactions (through other bank’s ATM in UAE) | AED 1.05 | |
| Declined transactions (through other bank ATM in UAE) | AED 1.05 | |
| Retrieval of Sales Slip | AED 26.25 | |
| Standing instruction set up (by the branch) | AED 52.50 | |
| Foreign exchanges fees on International transactions* | 3% of transaction value | |
| Card issuance for addition of Member to Group Account | AED 26.25 per member | |
| Personal Finance | ||
| Study Fees (One time) and Documentation Fee | 1.05% of Finance Amount, Min AED 525 - Max AED 2,625 | |
| Non - Waived Profit in case of Early Settlement Fee | 1.05% of the Outstanding, up to a max of AED 10,500 | |
| Commitment to Donate to Charity in case of Late Payment Event | AED 210 | |
| Takaful Coverage (Complimentary offered by ruya) | 0.317% per year of the outstanding finance amount | |
| Issuance of Liability Letter Fee | AED 63 Per Request | |
| Issuance of No Liability Letter Fee | AED 63 Per Request | |
| Other Letters (Finance copy, issuing redemption statements, audit confirmation etc.) | AED 26.25 | |
| Non -Waived Profit in case of Final Settlement for Sources/End of Service Benefits | 1.05% of the Outstanding, up to a max of AED 10,500 | |
| Credit Card | ||
| Annual Fees | Free for first year | |
| Card Replacement Fee | AED 26.25 | |
| Supplementary Card Fee | Free | |
| Murabaha Profit Rate | 3.5% on retail and cash transactions | |
| ATM Cash Withdrawal Fee | 3.15% of cash withdrawal amount or AED 105 (whichever is higher) | |
| Retrieval of Transaction Slip | AED 26.25 | |
| Commitment to Donate to Charity in case of Late Payment Event (VAT not applicable) | AED 100 | |
| Foreign Currency Transactions and for transactions done in AED outside the UAE* | 3% of transaction value | |
| Takaful Coverage (Complimentary offered by ruya) | 0.317% per year of the card limit | |
| Issuance of Liability Letter Fee | AED 63 Per Request | |
| Issuance of No Liability Letter Fee | AED 63 Per Request | |
| E-Statement (monthly) | Free | |
| Duplicate Statement Copy (Per Monthly Statement) | AED 26.25 | |
| Minimum Monthly Amount Due | 5% of the remaining monthly utilized amount or minimum AED 100 | |
| Grace Period - Maximum Profit Free period for retail transactions | Upto 55 Days | |
| Letters and Certificates | ||
| Account balance/release letter | AED 52.50 | |
| Liability/no liability letter | AED 63.00 | |
| Teller Services | ||
| Using Branch Teller | AED 5.25 per transaction | |
All fees and charges are per transaction unless otherwise stated. All fees and charges are inclusive of 5% VAT (with the exclusion of currency conversion charges). *Exchange markup are added to the foreign exchange market spot rate as selected and applied by Mastercard on the date of conversion for non-AED transactions, and are added to the transaction amount for AED transactions. | ||
