At ruya, managing your salary has never been easier. Your salary is deposited directly into your account, giving you instant access to your funds the moment they're credited. With no hidden charges and full transparency, you stay fully in control of your money from day one.
Enjoy seamless digital banking, a free debit card, and 24/7 access to your finances through our secure mobile and online platforms. With ruya’s advanced security and customer-first approach, your salary stays protected while you enjoy complete convenience.


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

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

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

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

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

100% adherence to Islamic banking principles, providing ethical financial solutions.
| For New Customers: | For Existing Customers |
|---|---|
| Open an account in under 5 minutes with your UAE Pass | Simply share your ruya IBAN and routing code 413240101. |
| Download the Ruya App to get started | - |
| Share your ruya IBAN and routing code 413240101 with your employer. | - |
| 12 months | - |
Already set up ?You're already in! No extra steps required.

Get a chance to win AED 25,000 every month just by transferring your salary.
Every salary transfer counts as a new entry, increasing your chances.
Winners are picked randomly each month to keep it fair and exciting.
ruya Video Guides

Winner of October 2024

Winner of May

Winner of April

Winner of March
Winners announced on the 5th of every month here!