Free
Starter spend plan · per month
Alaan
Corporate cards, expenses and partner-issued account
Employee cards and expenses; optional paid Ruya-issued business account.
At a glance
Key facts
Account typeOptional Ruya-issued business account on Premium or Enterprise; SuperCard is a separate prepaid card
Ruya account balanceNo minimum balance
Wakala depositOptional expected-profit deposit from AED 5,000 to AED 5,000,000
CardsNymCard-issued prepaid employee cards
Plan feeStarter free; Premium AED 499/month; optional Ruya account AED 79/month
Card issuerNymCard prepaid SuperCard for UAE SMEs and employees
Card fundingWire transfer from the business's UAE bank account
AccountOptional Premium or Enterprise Ruya-issued business account with IBAN and AP automation
ATM limitsAED 10,000 per withdrawal; AED 20,000/day, 35,000/week, 75,000/month; eight withdrawals/day
Card validityThree years
CashbackPremium: 2% international and up to 1% domestic
Card liability waiverUp to USD 25,000 per cardholder and USD 1.65 million per company per year
Fees
Starter spend plan · per monthFree
Premium spend plan · per monthAED 499
Enterprise spend plan · per monthCustom quote
Use cases
Use casesBusiness accounts, Team spend
Team spending
Employee cards
Prepaid physical and virtual cards with team limits.
Expenses and approvals
Capture receipts and route bills through approvals.
Optional business account
Add a Ruya-issued IBAN and AP automation on Premium or Enterprise.
Spend plans
Starter, Premium and quoted Enterprise plans.
Cross-border transfers
Visa Direct is listed for international bank transfers.
Fees
499AED
Premium spend plan · per month
Custom quote
Enterprise spend plan · per month
Good to know
Separate issuers
NymCard issues the prepaid card; Ruya issues the optional business account. The card does not earn interest or carry deposit insurance.
Cash withdrawals
The card allows up to eight ATM withdrawals a day within the published amount limits. Replacement and closing administration charges are not fixed in the public statement.
Starting and closing
The card statement gives five business days to cancel after opening. Remaining funds are returned to a same-name UAE bank account on closure.