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Current Account

ruya gives you all the convenience of digital-first, app-based Islamic banking together with the types of services you need to manage your finances on a day-to-day basis.

Transact anytime, Anywhere

At ruya, opening an Islamic bank account in the UAE has never been easier. From current accounts to savings accounts and even children’s (minors) accounts, we provide flexible and fully Shari’ah-compliant banking solutions. Many of our accounts have no minimum balance, no salary transfer requirement, and no hidden fees, making banking simple and accessible for everyone. With just your UAE PASS or Emirates ID, you can open an account in five minutes and enjoy the true benefits of ethical Islamic banking in Dubai, Abu Dhabi and across the UAE.

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Current Account benefits

Fully Shari’ah Compliant

Transparent. Ethical. Islamic — Offering Profit Sharing, ethical investments, and community support.

No Minimums

At ruya, we believe banking should be accessible to everyone. No minimum balance or salary requirement or fees.

Quick and Easy

Full parental control for safety, monitoring and security.

Free Debit card and Cheque book

For your everyday transactions. Contactless payments ready.

Invest ethically

Start seeing your savings grow with ruya’s Investment Deposit

Everyday Banking at your fingertips

Pay bills, Send money within UAE and internationally all on the go.

Eligibility Criteria

Eligibility

Documentation
Needed

All you need is an active UAE PASS with an valid emirates ID.

Eligibility

Residency

You are a UAE resident

Eligibility

Minimum age Criteria

You are atleast 18 years old

Eligibility

No minimum deposit

No minimum deposit is required to open a Current Account and you are not required to maintain a minimum balance in your Account.

Video Guide

How to open a current account with ruya?

Frequently Asked Questions

Your questions answered

Documents

Key Facts Statement - EN and AR

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Internal Shari’ah Supervision

Approved by the Internal Shari’ah Supervision Committee.

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