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What Makes ruya Different?

At ruya, we believe in growing together, sharing prosperity and actively supporting local communities.

Who we are?...

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.



Our mission is to champion a fairer and more sustainable world through ethical Islamic banking practices, exemplary customer service and community engagement, deeply rooted in our core values of Prosperity, Integrity, Partnership and Community...

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Foundations

Headquartered in Ajman, UAE, ruya was founded with a vision to redefine Islamic finance by combining cutting-edge digital technology with the timeless principles of Shariah-compliant banking.

Launched in 2024 and licensed by the Central Bank of the UAE, ruya is a true disruptor in the financial industry—offering a modern, fully digital banking experience rooted in fairness, transparency, and social responsibility.

Deeply connected to the community, ruya is committed to empowering families, entrepreneurs, and small businesses, ensuring that banking is not only accessible but also impactful.

Mission

We champion a fairer and more sustainable world through ethical Islamic banking practices, exemplary customer service and community engagement.

Purpose

We believe in empowering individuals, businesses and communities in the UAE to help them achieve their goals in life.

Values

We believe in empowering individuals, businesses and communities in the UAE to help them achieve their goals in life

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Kickstart your career with ruya bank

A career at ruya is more than a job. It’s a chance to grow, lead and create impact in a Shari’ah compliant, future-focused environment.

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Your skills matter — let’s grow together.

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15 mins ago

Your new career journey is ready

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Sustainability: Nature Protect

Sustainability: Nature Protect

Nature Protect by ruya in partnership with Sacred Groves is how we contribute to protecting the environment. As an ethical Islamic bank we have an environmental and social responsibility towards our community.

So, the more money you keep in your accounts with us, the more primary forests we will protect from being cut down!

  • For every 1,000 Dhs in your Current Account, we will protect 1 square foot of forest for 10 years!
  • For every 2,000 Dhs in your Savings Account(s), we will protect 1 square foot of forest for 10 years!
  • For every 5,000 Dhs in your Wakala Deposits(s), we will protect 1 square foot of forest for 10 years!

To be clear, you are not paying for this and we are not funding this out of profits.

The NatureProtect benefit is an added value beyond the expected profit rate you’ll earn on your eligible account balances.

Awards & Achievements

Ruya has been honored with multiple prestigious awards in 2025, reinforcing its position as the UAE’s trailblazing digital-first Islamic bank.

Awarded By:The Digital BankerYear: 2025

Best Islamic Digital Banking Provider

Awards
Awarded By:The Digital BankerYear: 2025

Ruya Bank & Lulu Exchange Partnership

Awards
Awarded By:The Digital BankerYear: 2025

Best Digital Islamic Banking Provider of the Year 2025

Awards