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Business Banking

Empower your business with Shari’ah-compliant solutions, driving innovation and supporting your financial goals.

Islamic Ethical banking for you business.

Open a ruya business account and enjoy the perks of a digital-first bank with innovative solutions. Streamline your finances with no minimum balance or hidden fees.

Whether you are starting a business for the first time or taking your company to next level, ruya offers a solution for everyone, at any stage.

Our Business Banking services offers a seamless, digital account opening experience, apply online in 20 minutes.

Already a business banking customer?

Features Include: Business banking with ruya is simple and easy

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Business Banking key benefits

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Shari’ah compliant

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

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Low monthly fee

Just a straight forward monthly subscription of AED 79.

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WPS-ready

Pay your employees with our efficient WPS feature

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Transparency

No hidden costs, no minimum balance 

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Community-Focused

A strong emphasis on supporting local businesses and contributing to community development. 

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Efficient

Our online banking portal will help organise all documents and requirements in one place, additionally, set-up time can be as quick as 48 hours

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Convenience

Experience seamless, self-onboarding account opening. 

BUSINESS ACCOUNT TYPE

Choose your ruya
Business Banking Account

Secure your future with a Shari'ah-compliant savings account designed to help you grow your walth ethically. Enjoy profit-earning

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Business Investment Deposits

Business Deposit Types

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Wakala Deposit

With ruya, your money works ethically and responsibly. Our investments strictly follow Islamic finance principles, our practices are Shariah-compliant and socially responsible, and we share our profits with you

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Mudaraba Deposit

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

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Business Finance

Empowering your business growth

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Trade Finance

Enjoy full account access with no minimum salary, free debit card, and cheque book included.

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Small Business Finance

Invest in your future with tailored education finance solutions.

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Overdraft Facility

Own your dream home with flexible, Shari’ah-compliant financing options.

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Solutions That Scale

Business Banking Solutions

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WPS

Ensure your employees are paid securely and on time with ruya’s Shariah-compliant WPS payroll solutions.

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Payment Solution

Receive and make payments seamlessly with our payment partners.

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International Remittance

Send money abroad anytime, anywhere—with ruya. Powered by Lulu Exchange

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Frequently Asked Questions

Your questions answered

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