Introduction
Ruya Community Islamic Bank offers a special savings account for children called the Kids Account. It’s a smart way to help your child learn about saving money early, earn high profits, and grow with financial discipline. You can open this account completely online using the Ruya app – simple and safe!
Key Benefits of Ruya Kids Account
- 🟢 Remote money top-up anytime via app
- 🟢 High profit rate – up to 1.20% per year
- 🟢 No minimum balance required
- 🟢 Free debit card issued in your child’s name
- 🟢 Full parental control – parents can manage everything
- 🟢 Shariah-compliant banking – ethical, interest-free
- 🟢 Online services payments through the Ruya app
- 🟢 Special offers and discounts for kids
How to Open Ruya Kids Account Online
- 📲 Download Ruya App from Google Play or App Store
- 🔐 Sign up with your Emirates ID and valid mobile number
- 👶 Select the Kids Account option
- 📝 Enter your child’s details (Emirates ID/passport)
- ✅ Submit and verify
- 🎉 Your child’s account will be ready in minutes!
Documents Required
- ✅ Parent’s Emirates ID
- ✅ Child’s Emirates ID or Passport copy
- ✅ Parent’s contact details
- ✅ Ruya App login credentials
Profit Rate
- 1.20% per year (As of Q2 2024)
- Paid based on Mudaraba (Islamic profit-sharing) model
| Investment Amount | 1 Month | 3 Months | 6 Months | 12 Months |
| 1,000 AED | 1.00 AED | 3.00 AED | 6.00 AED | 12.00 AED |
| 5,000 AED | 5.00 AED | 15.00 AED | 30.00 AED | 60.00 AED |
| 10,000 AED | 10.00 AED | 30.00 AED | 60.00 AED | 120.00 AED |
| 20,000 AED | 20.00 AED | 60.00 AED | 120.00 AED | 240.00 AED |
| 30,000 AED | 30.00 AED | 90.00 AED | 180.00 AED | 360.00 AED |
| 50,000 AED | 50.00 AED | 150.00 AED | 300.00 AED | 600.00 AED |
Ruya Kids Savings Account – Fees & Charges (2025)
Ruya Kids Account is a zero balance account specially designed for children. It comes with no monthly fees, no minimum balance charges, and no hidden costs.
| Service | Charges |
|---|---|
| Monthly Account Fee | Free |
| Minimum Balance Requirement | None (Zero Balance) |
| Account Closure Fee | Free |
| Debit Card (with Child’s Name) | Free |
| Online Banking Access | Free |
| E-statements | Free |
| Hidden/Extra Fees | None |
Why Choose Ruya Kids Account?
- ✅ Helps children learn saving from a young age
- ✅ Encourages good money habits
- ✅ Safe and fully controlled by parents
- ✅ Ethical banking – No interest, only halal profit
- ✅ Easy to use app with quick setup
- ✅ No hidden charges or surprise fees
Final Words
Ruya Kids Account is one of the best saving options for children in the UAE. It helps you teach your child how to save, earn profit, and be responsible — all under your supervision.
It’s free to open, simple to use, and designed just for kids!
Official Source:
Ruya Bank Fees & Charges Page
https://ruyabank.ae/fees-and-charges/
Ruya Bank Official – Kids Savings Account Page
https://ruyabank.ae/personal-banking/kids-savings-account/
