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Welcome to your new digital Islamic community bank in the UAE

The app-based platform designed to support your local community thanks to ethical Islamic financial services.

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Ways of Digital Banking

Digital Islamic Banking – your way

Your Banking just got easier

Digital Banking with a conscience

We are ruya, a digital-first Islamic bank which believes in empowering individuals, businesses and communities in the UAE to help achieve their goals in life.

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A digital-first islamic bank icon
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Pure Banking. Pure Values.icon

Shariah-compliant solutions tailored to your values.

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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.

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

Frequently Asked Questions

Got questions? We’ve got answers.

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Latest news and Insights from us

News & Insights

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Wakala Deposit2025-07-13

Transfer your salary to ruya and stand a chance to win it back – up to AED 25,000!

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Investment Deposit2025-07-07

Ruya customers will receive instant, free cash deposits at over 140 LuLu Exchange centers across the UAE.

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INSIGHTS2025-05-13

Banking should be simple. That’s why we’ve removed the fluff. No minimum balance, no hidden fees, no nonsense. Just transparent, honest banking.

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INVESTMENTS2025-05-13

Enjoy up to 4% expected profit while aligning with Islamic banking principles.

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Kids Accounts2025-05-13

Transfer your salary to ruya and stand a chance to win it back – up to AED 25000!

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Mudaraba Account2025-05-13

We believe your dreams deserve more than just a jar of coins.​ With up to 4% returns on investment deposits, even the small amounts you put aside can turn into something meaningful.​

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