Fees & Charges
Ruya Community Islamic Bank LLC
SERVICE FEES & CHARGES
Standard
Plus
Max
Accounts and Plans
Account Opening
Free
Monthly Plan*
Free
AED 105 per month or FREE with:
- Minimum salary transfer of AED 20,000 monthly; or
- Average minimum balance of AED 10,000; or
- Minimum monthly spending of AED 5,000
AED 210 per month or FREE with:
- Minimum salary transfer of AED 50,000 monthly; or
- Average minimum balance of AED 30,000; or
- Minimum monthly spending of AED 10,000
* Pro-rated in case of downgrade up to the utilized month
Plan Downgrade – Debit Card Issuance
Not applicable
AED 26.25
Early Account Closure (within 6 months of opening)
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 for certain areas
Cheque Books
Cheque Book***
One free cheque book, then:
- AED 26.25 for 25 leafs; or
- AED 52.50 for 50 leafs
Free unlimited cheque books
*** Additional courier charges may apply for certain areas
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
AED 21.00 for older than one year
Issuance of Manager Cheque
AED 31.50
Free
Courier Delivery for Manager Cheque
AED 15.75
Cancellation of Manager Cheque
AED 52.50
Post Dated Cheque (PDC) lodgement
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
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)
Free
Cash Withdrawal (through other bank’s ATM in UAE)
3 free withdrawals per month
Then AED2.10 per transaction
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 + applicable scheme charges
Card issuance for addition of Member to Group Account
AED 26.25 per member
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
SERVICE FEES & CHARGES
STANDARD
Accounts and Plans
Account Opening
Free
Monthly Plan*
Free
* Pro-rated in case of downgrade up to the utilized month
Plan Downgrade – Debit Card Issuance
Not applicable
Early Account Closure (within 6 months of opening)
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 for certain areas
Cheque Books
Cheque Book***
One free cheque book, then:
- AED 26.25 for 25 leafs; or
- AED 52.50 for 50 leafs
*** Additional courier charges may apply for certain areas
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
AED 21.00 for older than one year
Issuance of Manager Cheque
AED 31.50
Courier delivery for Manager Cheque
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 AED 50,000)
AED 0.50
UAE Local Transfers – (above AED 50,000)
AED 1.05
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
Retrieval of Sales Slip
Free
Cash Withdrawal (through other bank’s ATM in UAE)
3 free withdrawals per month
Then AED2.10 per transaction
Cash Deposits (through our Partners)
Free
Balance Enquiry Transactions (through other bank’s ATM in UAE)
AED 1.05
Declined Transactions (through other bank’s ATM in UAE)
AED 1.05
Sales Slip Retrieval
AED 26.25
Standing instruction set up (by the branch)
AED 52.50
Foreign exchanges fees on International transactions
3% of transaction value + scheme charges
Card issuance for addition of Member to Group Account
AED 26.25 per member
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
SERVICE FEES & CHARGES
PLUS
Accounts and Plans
Account Opening
Free
Monthly Plan*
AED 105 per month or FREE with:
- Minimum salary transfer of AED 20,000 monthly; or
- Average minimum balance of AED 10,000; or
- Minimum monthly spending of AED 5,000
* Pro-rated in case of downgrade up to the utilized month
Plan Downgrade – Debit Card Issuance
AED 26.25
Early Account Closure (within 6 months of opening)
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 for certain areas
Cheque Books
Cheque Book***
One free cheque bBook, then:
- AED 26.25 for 25 leafs; or
- AED 52.50 for 50 leafs
*** Additional courier charges may apply for certain areas
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
AED 21.00 for older than one year
Issuance of Manager Cheque
AED 31.50
Courier delivery for Manager Cheque
AED 15.75
Cancellation of Manager Cheque
AED 52.50
Post Dated Cheque (PDC) lodgement
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
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
Cash Withdrawal (through ruya ATM in UAE)
Free
Cash Withdrawal (through other bank’s ATM in UAE)
3 free withdrawals per month
Then AED2.10 per transaction
Cash Deposits (through our Partners)
Free
Balance Enquiry Transactions (through other bank’s ATM in UAE)
AED 1.05
Declined Transactions (through other bank’s ATM in UAE)
AED 1.05
Sales Slip Retrieval
AED 26.25
Standing instruction (set up (by the branch)
AED 52.50
Foreign exchanges fees on International transactions
3% of transaction value + scheme charges
Card Iissuance (for addition of member to group account)
AED 26.25 per member
Letters and Certificates
Account Balance/ Rrelease Letter
AED 52.50
Liability/ No Liability Letter
AED 63.00
Teller Services
Using Branch Teller
AED 5.25 per transaction
SERVICE FEES & CHARGES
MAX
Accounts and Plans
Account Opening
Free
Monthly Plan*
AED 210 per month or FREE with:
- Minimum salary transfer of AED 50,000 monthly; or
- Average minimum balance of AED 30,000; or
- Minimum monthly spending of AED 10,000
* Pro-rated in case of downgrade up to the utilized month
Plan Downgrade – Debit Card Issuance
AED 26.25
Early Account Closure (within 6 months of opening)
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 for certain areas
Cheque Books
Cheque Book***
Free unlimited cheque books
*** Additional courier charges may apply for certain areas
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
AED 21.00 for older than one year
Issuance of Manager Cheque
Free
Courier Delivery for Manager Cheque
AED 15.75
Cancellation of Manager Cheque
AED 52.50
Post Dated Cheque (PDC) lodgement
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
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
Free
Cash Withdrawal (through ruya ATM in UAE)
Free
Cash Withdrawal (through other bank’s ATM in UAE)
3 free withdrawals per month
Then AED2.10 per transaction
Cash Deposits (through our Partners)
Free
Balance Enquiry Transactions (through other bank’s ATM in UAE)
AED 1.05
Declined Transactions (through other bank’s ATM in UAE)
AED 1.05
Sales Slip Retrieval
AED 26.25
Standing instruction (set up (by the branch)
AED 52.50
Foreign exchanges fees on International transactions
3% of transaction value + scheme charges
Card Iissuance (for addition of member to group account)
AED 26.25 per member
Letters and Certificates
Account Balance/ Rrelease Letter
AED 52.50
Liability/ No Liability Letter
AED 63.00
Teller Services
Using Branch Teller
AED 5.25 per transaction
Connect with ruya
We share values, prosperity and community spirit. Find out the story behind the UAE’s first digital Islamic community bank.
Bank with us
Discover our Shari’ah-compliant services to help you meet your financial goals.