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Personal Banking

ruya offers seamless app-based Islamic banking with all the tools you need for daily financial management.

Digital Islamic
Banking Convenience

No shady deals, just halal feels

Experience the future of Islamic banking with ruya. Our fully digital platform makes it simple to open an account in minutes, send money locally or internationally, pay bills, invest, and manage your finances anytime, anywhere—without visiting a branch.

No hidden fees, no minimum balance or salary requirements when you open Current, Savings or kids (Minor) accounts.

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PERSONAL ACCOUNT TYPE

Choose your ruya account

Account

Current Account

Shari’ah-compliant current account with no minimum balance Open your current account in minutes with an active UAE PASS. No minimums. Free debit card. Cheque book included.

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Account

Savings Account

With ruya Savings account you Save more and earn more — because we share our profits with you

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Account

Kids Saving Account

ruya’s Kids’ Savings Account helps you secure your child’s future while empowering them with the essential habit of saving money.

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Investment

Because we share our profits with you

Account

Investment Deposit

Start seeing your savings grow with ruya’s Investment Deposit

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Account

Mudaraba Term Deposit

Grow your wealth ethically with our Shari’ah-compliant investment solutions

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personal finance

Flexible Financing for every life goal

We will exclude this card for now as we have not rolled out the card, home, specific finane options

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Flexible Financing for every life goal

Smart Banking Solutions

Digital banking for your daily life

Send Money

Seamless transfers, anytime, anywhere with ruya

Pay Bills

From utilities to Salik, manage payments easily

Digital Cheque deposits

No More Branch visits, with ruya you can deposit cheques digitally through the ruya app.

Contactless Payments

Your phone is now your wallet. Tap and Go with contactless payments

International remittance

Send money to India, Pakistan, Egypt, Nepal, Indonesia, Sri Lanka, Bangladesh and Philippines

Your Phone is now your wallet!

Go ahead, leave your wallet at home. With Contactless payments, you can pay with your ruya debit card right from you phone or watch.

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iconPay with just one tap.
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Save time,
check out faster.
iconPay easily. Pay fast. Private. Secure.
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Debit Cards

Enter a world of possibilities with your ruya debit card.

Account

Standard

Spend Smarter with a Shari’ah-compliant debit card that gives you full control of your money.

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Account

Max

Spend smarter with a Sharia’ah Compliant credit card that gives you full control of your money.

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Download App

Seamless & instant digital sign up

How to download the ruya app

Fast and secure Islamic banking in the UAE without the need for physical documents. The ruya bank app is available to download from the Play store and App Store.

Download App:

    mobile
    • iconReal-time fund transfers between accounts
    • iconOffering 24/7 access to your Finance
    • iconDigital-first banking interface