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Rubies

Rubies

WhatsApp for Payment & Banking

520 ratings
62 reviews
🔧 Utilities
💰 Finance
Free

Details

Released
April 9, 2019
Updated
October 26, 2026

Features

Background Location Access

Developer

RUBIES MICROFINANCE BANK LIMITED
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Rubies screenshot #1 for iPhone
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Rubies screenshot #4 for iPhone
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Reviews summary↘︎
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About

This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.

✓Financial conversations
✓Global payments
✓Banking services
✓Lending features
✓Messaging interface
Show original description

What users say about Rubies

Reviews of Rubies are mixed: the Finance app is rated 4.7/5 from 520 App Store ratings. What users like most: user-friendly, fast and efficient. Top complaints: occasional app crashes, unreasonable charges. Summarized from real user reviews.

Positive things

  • 👍User-friendly
  • 🚀Fast and efficient
  • 💳Flexible banking features
  • 🥰Excellent customer service
  • 🤩Innovative app design

Negative things

  • 🐛Occasional app crashes
  • 💰Unreasonable charges
  • ⏱️Slow app performance
  • 🤔Unresponsive customer support
  • 🚫Difficulty with KYC verification
See all reviews

What's New in Rubies

5.1.7

October 26, 2026

• Transfers now come from the account you pick in "Transfer from". • Your balance and history stay on the account you've selected. • Transactions are now titled with their narration, so they're easier to recognise. • Buying airtime for your own number no longer asks for your PIN. • Changing your card PIN works again. • Savings: total interest now counts only your active plans, and funding a vault always shows your accounts. • Business accounts can now link to Qorpy to manage invoices, payroll, expenses and approvals from Rubies. • Smoother navigation after completing a payment, plus security and stability improvements.

More

User reviews

Most RecentHighest RatedLowest Rated

Great Update – Smooth and Fast

The onboarding experience is much more seamless, and navigating the mobile app is now incredibly fast. Thank you for these improvements and for listening to your customers!
Rrasakiiiiiiiii

So good

It’s awesome, I make transactions in seconds and the customer support team is wow
NNakel23

Customer Service

Fantastic customer service
TTobi_wan19

Subject: URGENT – Account Not Accessible After Transaction Dear Support Team,

Subject: URGENT – Account Not Accessible After Transaction

Dear Support Team,

My name is Abiodun Ezekiel. I made a successful transaction today, but shortly after, the app logged me out and now says my account does not exist.

Details:
Date & Time: 2026-02-19T22:53:28.32507
Please locate my original BVN-linked account, confirm my current balance, and restore access. I do not want a new account created.

This is urgent as it involves my funds. I await your immediate response.

Abiodun Ezekiel
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LLordlilly990

Why me

So u guys have decided to hold my money. Whenever o try doing kyc verification it says Session Expired.. and there’s no way I can withdraw my money that I have already put in there already
WWILLT.P
See 57 more reviews

Developer apps

Rubies Junior
Rubies Junior

Digital Banking for Kids

💰 Finance
Free
See developer apps

User experience

🐞

Reported Bugs

5 issues

Insufficient funds error despite adequate balance

Bug

Login screen freezes

Bug

Incompatibility with older devices

Bug

Inability to add BVN

Bug

OTP not being sent for password reset

Bug
✨

Requested Features

5 requests

Improve chat feature functionality

Feature

Expand availability to non-Nigerian users

Feature

Add dark mode option

Feature

Enhance in-app security measures

Feature

Streamline debit card request process

Feature

FAQ

What is Rubies?

Rubies is a finance app designed to power financial conversations and transactions between friends and brands. It integrates payments, banking, and lending into a user-friendly messaging interface.

Is Rubies free to use?

Yes, Rubies is available for free. The app is supported by its developer, RUBIES MICROFINANCE BANK LIMITED, and does not require any payment to download or use its core features.

What devices does Rubies support?

Rubies is compatible with iPhone, iPad, and iPod devices. It is designed to offer a seamless financial management experience across Apple's mobile ecosystem.

How secure is Rubies?

While specific security measures are not detailed, the app is developed by a microfinance bank, suggesting a focus on financial security. Users can manage sensitive financial information through its messaging-like interface.

What are the pros and cons of Rubies?

Users praise Rubies for its user-friendly interface, fast and efficient transactions, flexible banking features, and excellent customer service. However, some users have reported occasional app crashes, unreasonable charges, slow performance, and difficulties with KYC verification.

How often is Rubies updated?

The latest version of Rubies is 5.1.7, last updated on October 26, 2026. This indicates a commitment to ongoing development and improvements for the application.

What is the age rating for Rubies?

Rubies has an age rating of 4+, making it suitable for a wide range of users. This rating suggests that the app's content and functionality are appropriate for children and adults.

Does Rubies have ads?

No, Rubies does not contain advertisements. As a free application, it focuses on providing a clean and uninterrupted user experience for managing financial activities.