Earn fixed returns while keeping your investments Shari’ah-compliant.
With ruya’s Wakala Deposit, your idle business funds are invested in pre-agreed, Shari’ah-compliant ventures that offer stable and predictable returns.
You’ll know exactly what to expect from your deposit tenure while ensuring your investments remain fully ethical. Monitor profits in real-time via our digital platform, stay in control of your cash reserves, and watch your business wealth grow confidently.


100% adherence to Islamic banking principles, providing ethical financial solutions.

Choose from multiple investment periods that suit your needs.

Manage and monitor your deposits through digital banking.

To open a Ruya Kids Account, a parent must provide valid ID, proof of guardianship, and the child’s birth certificate or Emirates ID.

To open a Ruya Kids Account, a parent must provide valid ID, proof of guardianship, and the child’s birth certificate or Emirates ID.

To open a Ruya Kids Account, a parent must provide valid ID, proof of guardianship, and the child’s birth certificate or Emirates ID.

To open a Ruya Kids Account, a parent must provide valid ID, proof of guardianship, and the child’s birth certificate or Emirates ID.
| Tenor | Expected Profit Rate Per Annum |
|---|---|
| 1 month | 3.90% |
| 3 month | 4.00% |
| 6 months | 3.75% |
| 12 months | 3.50% |
| Deposit Amount | Payment |
|---|---|
| Min. amount AED 5,000 Up to AED 5,000,000 | At maturity |
Frequently Asked Questions