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HAVE BIG DREAMS? LET'S BRING THEM TO LIFE

With ruya's easy, flexible and ethical Shari'ah-compliant finance, your dreams are within reach.

Achieve Your Goals with Shari'ah-Compliant Personal Finance

Affordable Auto Financing Tailored for You

ruya’s Car Finance offers you the freedom to purchase your dream vehicle with confidence and ease. Enjoy competitive profit rates, simple application processes, fast approvals, and flexible repayment terms.



Whether you’re buying your first car or upgrading your ride, our Shari’ah-compliant solutions ensure transparency, convenience, and financial security at every step.

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UAE nationals key benefits

Higher Returns

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

Debit Card

Personal debit card in the child’s name.

Parental Control

Full parental control for safety, monitoring and security.

Remote Top-up

Remote top-up through the digital-first ruya app.

Online services payment

Convenient online services payment

Special Offers

Exclusive offers and discounts for account holders

No minimum balance

Start saving with any amount and no minimum balance or hidden fees.

Shari'ah compliant

Shari'ah compliant ensuring transparency and ethical banking.

Eligibility Criteria

Eligibility

Valid Emirates ID
and driving license

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

Eligibility

Age eligibility Requirement

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

Eligibility

Stable employment with
verifiable income

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

Eligibility

Minimum salary
requirement

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

ruya Video Guides

How to Apply as an UAE Nationals with ruya?

Frequently Asked Questions

Your questions answered

Investment Deposit Documentation

Key Facts Statements

Investment Deposits and Term Investment Deposits - AR

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Internal Shari’ah Supervision

Approved by the Internal Shari’ah Supervision Committee

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Terms and Conditions

Investment Deposits - AR

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