79AED
Business current-account plan · per month
Ruya Business
Islamic digital business bank account
AED business current account with digital access, cards, cheque book and a monthly plan fee.
At a glance
Key facts
Account structureAED Qard Hasan current account; no profit on demand balance
Minimum balanceNo opening amount or average-balance minimum
Account usersTwo digital users included; further users have a one-time setup charge
Digital accessCorporate online banking, app transfers, standing instructions, virtual cards and statements
Cheque bookFirst book included; later 25- and 50-leaf books have distinct charges
Debit cardFirst physical debit card and virtual card issuance included
International transfersForeign-currency partner transfer outside UAE and card-conversion costs are published
PayrollWPS salary file processing has a per-file charge
Tariff dateBusiness Schedule of Fees version 3, July 2026
Fees
Business current-account plan · per monthAED 79
Additional corporate online user after first two, one-time setup · one-timeAED 26.25
Trade licence expired after two-month grace · per monthAED 262
Use cases
Use casesBusiness accounts, International payments, Payroll
Fees
26.25AED
Additional corporate online user after first two, one-time setup · one-time
262AED
Trade licence expired after two-month grace · per month
Good to know
Cheque issuance
The key facts allow 10- or 25-leaf books subject to account validation and regulation; the fee schedule also quotes a later 50-leaf book. A returned cheque may cause a charge, credit-bureau report or closure.
Cheque-return threshold
Four or more insufficient-funds cheques returned within a calendar year may lead to account closure. Unused cheques and cards must be returned or cancelled at closing.
Cash allowances
Three partner cash deposits and one other UAE-bank ATM withdrawal are included each month; additional uses have separate charges.
Extra users
Two corporate users are included. Each additional user's published charge is a one-time setup fee, not another monthly subscription.
International card costs
The card exchange fee is added to the applicable Mastercard scheme conversion cost. Foreign transfers outside UAE use ruya's partners.
Business records
Keep company and signatory documents current; missing updates may restrict transactions or result in account blockage or closure.
Cooling off
The key facts provide five business days after accepting the terms to exercise the cooling-off right; the account terms determine any closure-fee waiver.