United Arab Emirates
activeFeaturedNeobankBusiness banking
- HQ
- Abu Dhabi
- Fee
- Confirm live tariff in-app — personal and business are different SKUs
ruya
Ruya Community Islamic Bank LLC. CBUAE. Ajman. Digital-first Islamic bank, launched 2024.
Legal entity: Ruya Community Islamic Bank LLC
Rate this app
7.1Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Licensed bank — Ruya Community Islamic Bank LLC (Central Bank of the UAE). Still read the entity on the statement.
If it fails?
Footer: Copyright © 2026 All Rights Reserved by Ruya Community Islamic Bank LLC — Licensed by the Central Bank of UAE. Eligible deposits follow the UAE scheme for licensed banks — confirm the live CBUAE cap. YAP is a fintech front that says it is powered by this bank; YAP itself is not the deposit-taker.
Salary?
Salary page exists on ruyabank.ae. A CBUAE bank account can take a UAE salary — confirm the number issued.
Open from abroad?
UAE PASS / Emirates ID. Not a tourist open.
Monthly fee
Business page: no hidden fees / no minimum balance pitch — confirm live tariff
Account number
No IBAN-class local rail on this file.
NeoBankDBVerdict
Licence first · score second
7.1
/10 · Solid
Ruya Community Islamic Bank LLC is licensed by the Central Bank of the UAE. Who-we-are: headquartered in Ajman, launched 2024, digital-first Islamic bank. Footer address: Marsa Ajman Mall — Ruya Community Center — Building No. 4, Ajman. 800ruya (8007892). hello@ruyabank.ae. UAE PASS in under five minutes is the pitch. No minimum balance on the business page. Wio and Zand are conventional CBUAE peers. YAP’s own homepage says banking services are provided by this bank and that YAP itself does not offer banking — treat YAP as a front, not a second licence. Eligible deposits follow the UAE licensed-bank scheme; this file does not invent a dirham cap.
What it is
Ajman’s community Islamic bank in an app. Directories will file it next to a crypto card. The CBUAE footer will not.
Best for: UAE residents who want a CBUAE Islamic digital bank, not a free-zone wallet and not YAP’s waitlist.
Last checked 2026-09-03. Not advice.
What it does well
- +Named CBUAE bank on the footer
- +Ajman address published
- +Shariah is the charter, not a filter
- +UAE PASS onboarding
What to watch
- −Young (launched 2024)
- −Guarantee cap not printed on the homepage
- −YAP waitlist can confuse the deposit-taker
- −Emirates ID / UAE PASS gated
Legal entity, not the app icon
Who is behind it
- Legal name
- Ruya Community Islamic Bank LLC
- Offices
- Marsa Ajman Mall — Ruya Community Center — Building No. 4, Ajman, UAE
The product, not the brand colour
The account
- Platforms
- iOS · Android
- Account types
- Current · Savings · Kids · Business
- Partner bank
- Ruya Community Islamic Bank LLC
- Minimum balance
- No minimum balance on the business-account pitch
- Availability
- United Arab Emirates
- Support
- 800ruya (8007892) · hello@ruyabank.ae
- Remote open
- UAE PASS / Emirates ID. Not a tourist open.
- Onboarding
- ruya app + UAE PASS, under five minutes on their homepage.
- KYC documents
- UAE PASS or Emirates ID.
- Salary / payroll
- Salary page exists on ruyabank.ae. A CBUAE bank account can take a UAE salary — confirm the number issued.
- Local rails
- UAE local rails on the bank account
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal · Business · Halal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- physical · virtual · Apple Pay · Google Pay
Licence first
Safety
Footer: Copyright © 2026 All Rights Reserved by Ruya Community Islamic Bank LLC — Licensed by the Central Bank of UAE. Eligible deposits follow the UAE scheme for licensed banks — confirm the live CBUAE cap. YAP is a fintech front that says it is powered by this bank; YAP itself is not the deposit-taker.
Holder / issuer: Ruya Community Islamic Bank LLC
- Central Bank of the UAELicensed bank — Ruya Community Islamic Bank LLC · United Arab Emirates
Fees
- Monthly
- Business page: no hidden fees / no minimum balance pitch — confirm live tariff
- FX markup
- Bank FX
- ATM
- Confirm live
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- ✓Halal
- CBUAE Islamic community bank
- UAE PASS open in under five minutes on their copy
- Personal + business + kids account named
- Profit-sharing / Shariah
- Salary SKU on the site
Before you tap Sign up
How to open
Step 1
Name the LLC
Ruya Community Islamic Bank LLC. CBUAE. Ajman. Not YAP.
Step 2
UAE PASS
Download the ruya app. Emirates ID / UAE PASS.
Step 3
Separate YAP
YAP’s footer says it does not provide banking. This bank does.
Official help: ruyabank.ae/en
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.0
- Fees20%
- 8.2
- Features15%
- 7.6
- App15%
- 8.0
- Global15%
- 2.8
- Support10%
- 7.0
Change log
Full logLicence
Ruya Community Islamic Bank LLC licensed by CBUAE
Ajman. Launched 2024 on their who-we-are page. Digital-first Islamic community bank. YAP is a separate front.
Available in
Straight answers
FAQ
01Is ruya a bank?
ruya holds a banking-style licence (Central Bank of the UAE). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Footer: Copyright © 2026 All Rights Reserved by Ruya Community Islamic Bank LLC — Licensed by the Central Bank of UAE. Eligible deposits follow the UAE scheme for licensed banks — confirm the live CBUAE cap. YAP is a fintech front that says it is powered by this bank; YAP itself is not the deposit-taker.
03Where is ruya available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with ruya.
04Card and wallets?
physical · virtual · Apple Pay · Google Pay
05Can I open ruya remotely?
UAE PASS / Emirates ID. Not a tourist open.
06What is the legal name behind ruya?
Ruya Community Islamic Bank LLC. Read the entity on the statement, not the app icon.
07Can I receive salary on ruya?
Salary page exists on ruyabank.ae. A CBUAE bank account can take a UAE salary — confirm the number issued.
08What documents does ruya ask for?
UAE PASS or Emirates ID.
09Is ruya a bank?
Yes. Ruya Community Islamic Bank LLC is licensed by the Central Bank of the UAE. YAP is a separate fintech front.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
Full alternatives page
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- Fee
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Al Maryah / Mbank
Al Maryah Community Bank LLC. CBUAE specialised bank. Mbank app. Not Polish mBank.
7.2Solid
activeFeaturedNeobankBusiness banking
- HQ
- Abu Dhabi
- Fee
- Homepage: opening is free — T&Cs apply