*Terms and Conditions apply
At ruya, managing your salary has never been easier. Your salary is deposited directly into your account, giving you instant access to your funds the moment they're credited. With no hidden charges and full transparency, you stay fully in control of your money from day one.
Enjoy seamless digital banking, a free debit card, and 24/7 access to your finances through our secure mobile and online platforms. With ruya’s advanced security and customer-first approach, your salary stays protected while you enjoy complete convenience.
When you transfer your salary to ruya, you automatically get an entry into a monthly draw to win up to AED 25,000 — with each salary credit counting as a fresh chance to win. Winners are announced monthly.
At ruya we believe banking should be accessible to everyone!
With full access to the ruya mobile and online banking platform, you can manage your salary, transfers, bills, and more 24/7 from your ruya app
| For New Customers: | For Existing Customers |
|---|---|
| Step 1: Simply open an account - it takes under 5 minutes with UAE PASS! | Simply share your ruya IBAN and routing code 413240101. |
| Step 2 : Download the ruya app and get started: Download now! | |
| Step 3 : Share your ruya IBAN and routing code 413240101 with your employer. |
What if your salary transfer has already been set up with ruya?
Even better! Customers who have salary transfer set up are automatically part of the draw!
That’s it!
Every month your salary is deposited at ruya’s account you stand a chance to win another salary or up to AED 25,000!
Winners will be announced on the 10th of every month here!
Get a chance to win another salary or up to AED 25,000 every month just by transferring your salary.
Every salary transfer counts as a new entry, increasing your chances.
Winners are picked randomly each month to keep it fair and exciting.
Winner of October 2025
Winner of October 2024
Winner of November 2024
Winner of December 2024
Winner of January 2025
Winner of February 2025
Winner of March 2025
Winner of April 2025
Winner of May 2025
Winner of June 2025
Winner of July 2025
Winner of August 2025
Winner of September 2025
