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UAE

Ruya Bank

Introduction

Ruya is a digital-first Islamic bank in the UAE, offering Shari'ah-compliant banking solutions for individuals, businesses, and communities. Designed for SMEs,...
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Banking Services

Final approval is at Ruya Bank's sole discretion

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Highlights & Benefits

No Minimum Balance & Transparent Fees

Run your business account with no balance requirements and zero hidden charges.

100% Shari’ah-Compliant Banking

Ethical Islamic banking solutions aligned fully with Shari’ah principles, including Wakala deposits.

Fast Account Setup

Open your business account in as little as 48 hours with a smooth onboarding process.

WPS-Ready Payroll Solutions

Seamlessly process employee salaries in compliance with UAE WPS regulations.

Comprehensive Payment Services

Send and receive payments, manage bills, and access multi-currency support with ease.

Relationship-Led & Community Focused

Enjoy dedicated relationship managers, exclusive Mastercard benefits, and strong support for local businesses.

Resources

Account Opening Process

Step-by-step guide to get started

View Checklist

Required Documents

Everything you need to apply

View Checklist

Plans & Pricing

Compare plans and features

Compare Plans

Documents from the Authority

Guide_on_Busines...

Features_and_Fee...

Frequently Asked Questions

Is Ruya Bank fully digital or does it have physical branches?

Are there any minimum balance or maintenance fee requirements with Ruya?

How long does account opening take with Ruya?

What currencies and payment types does Ruya support?

Terms & Conditions

Companies must maintain proper records and provide accurate documentation during the process.

Bank reserves the right to request additional documents or clarifications during the process.

Arnifi facilitates the account opening process and is not responsible for the bank's final approval or rejection decision. Banks reserve the right to decline any application based on their own KYC and compliance criteria.

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Banking Services

Document checklist and Review, Application Submission, Status Tracking and Email Support with the Bank.

Pricing Details

Ruya Bank

Normal service

AED 0

Total

AED 0

Arnifi Price

AED 0

Note: The payment is prepaid.

100% Money Back Guarantee

Full refund guarantee and no questions asked.

Real Time Dashboard
Never miss a deadline

Compliance calendar integrated in your dashboard

24×7 Operational Support

Round-the-clock support for all clients available every day, any time.

Pricing Details

AED 0

Authorised Partner of

Get Payment Gateway Assistance at No Cost

Get Started Free

UAE

Ruya Bank

Introduction

Ruya is a digital-first Islamic bank in the UAE, offering Shari'ah-compliant banking solutions for individuals, businesses, and communities. Designed for SMEs,...
Read more

View Overview

Banking Services

Final approval is at Ruya Bank's sole discretion

Authorised Partner of

Get Payment Gateway Assistance at No Cost

Get Started Free