Limited Time Offer · Digital Bank · UAE
Ruya Bank
Sharia-compliant digital community bank with simple flat pricing for SMEs and startups.
5–6 business daysMin balance: Not requiredAED 79/month
Highlights & benefits
Islamic Digital Banking
Fully Sharia-compliant products with transparent flat fees.
No Minimum Balance
Keep your capital working — no balance requirements ever.
Fast SME Onboarding
Digital KYC with accounts opened in about a week.
Free AED Transfers
Generous free local transfer allowance every month.
Resources
Account Opening Process
Required Documents
Plans & Pricing
Compare plans and features
Documents from the authority
Frequently asked questions
Yes — Ruya is a fully licensed Islamic digital community bank regulated by the UAE Central Bank.
No minimum balance is required; the account has a flat AED 79 monthly fee.
Around 5–6 business days after your documents pass compliance review.
Terms & conditions
Companies must maintain proper records and provide accurate documentation during the process.
The bank reserves the right to request additional documents or clarifications during the process.
Dubai Business License facilitates the account opening process and is not responsible for the bank’s final approval or rejection decision. Banks reserve the right to decline any application based on their own KYC and compliance criteria.
PRICING DETAILS
1
Note: the payment is prepaid.
100% Money Back Guarantee
Full refund guarantee and no questions asked.
Real Time Dashboard
Track your application status live.
24×7 Operational Support
Round-the-clock support, every day, any time.