Introduction
Ruya Bank is a modern, digital-first Islamic bank in the UAE. It is made for people, families, and businesses who want honest, ethical, and simple banking. Ruya is not like other banks – it focuses on community, fairness, and the future.
🌟 What Makes Ruya Different?
- ✅ 100% Shari’ah-Compliant Banking
- ✅ Fully Digital Banking Experience
- ✅ Supports Families, Entrepreneurs & Communities
- ✅ Based in Ajman, UAE
- ✅ Licensed by the Central Bank of the UAE
- ✅ Focus on Transparency, Fairness & Social Responsibility
🏦 Who Is Ruya?
- Launched in 2024, Ruya is a new type of Islamic bank built for modern life.
- It uses technology and Islamic finance principles to create easy and honest banking.
- Ruya supports people who want to save, grow businesses, and live better lives — all while staying true to their values.
🎯 Mission, Purpose & Values
📌 Mission
“To build a fairer and more sustainable world through ethical Islamic banking, excellent customer service, and community care.”
📌 Purpose
“To empower people and businesses in the UAE to reach their goals.”
📌 Our Core Values
| Value | What It Means |
|---|---|
| Community | Help people stay connected and supported |
| Prosperity | Help everyone succeed and grow financially |
| Integrity | Always be honest, clear, and trustworthy |
| Partnership | Work together for shared success |
📲 How to Open an Account
You can download the Ruya app from:
- Google Play Store
- Apple App Store
💡 It takes only a few minutes to register. You’ll get a fully operational Islamic account from your phone – no paperwork, no long waits!
🧾 Fees and Charges (Summary – 2025)
Ruya believes in full transparency.
| Service | Charges |
|---|---|
| Account Opening | Free |
| Minimum Balance Requirement | None |
| Monthly Account Fee (Business) | AED 79 |
| Savings & Kids Account Fee | Free |
| Online Local Transfers | Free |
| International Transfers | As per rate |
| Hidden Charges | None |
📌 Note: Ruya is a digital-only bank, so cash and cheque services are not available.
🤝 Visit or Contact Ruya
📍 Community Center Address:
Building 4, Marsa Ajman, Ajman, UAE
📞 Phone: 800ruya (800 7892)
📧 Email: hello@ruyabank.ae
📆 Support Hours: Monday – Saturday, 8:00 AM to 9:00 PM
🌐 Website: www.ruyabank.ae
📢 Final Words
If you’re looking for modern Islamic banking that is honest, simple, and made for you — Ruya is a great choice. Whether you’re a parent, student, freelancer, or business owner, Ruya supports your financial goals with transparency and care.
