Rubies

Rubies

WhatsApp for Payment & Banking

523 ratings
62 reviews
Free

Details

  • Released
  • Updated
  • April 9, 2019
  • August 3, 2026

Features

Rubies screenshot #1 for iPhone
Rubies screenshot #2 for iPhone
Rubies screenshot #3 for iPhone
Rubies screenshot #4 for iPhone
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About

Facilitates financial conversations between friends and brands globally. Send and receive payments, manage banking, and access lending services seamlessly within a messaging interface.

Financial conversations
Cross-border payments
Banking services
Lending options
Messaging interface
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What users say

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What's New in Rubies

5.1.5

August 3, 2026

• Save together with Esusu groups track contributions, see who has paid, and withdraw with ease • Business accounts create a business profile and manage your staff • Chat upgrades group invite links, chat backup, and easy sharing • Shop & pay browse shopfronts and track your orders • Manage loans and expenses right from the app • Refer friends and earn sharing is one tap away • A fresh new look, smoother performance, and bug fixes

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User reviews

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!

So good

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

Customer Service

Fantastic customer service

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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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

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 does Rubies do?

Rubies is designed to power financial conversations between friends and brands across different regions. It allows users to send and receive payments, access banking services, and explore lending options, all within a messaging-like interface.

What are the key features of Rubies?

Key features include facilitating financial conversations, enabling cross-border payments, providing banking services, and offering lending options. These functionalities are integrated into a user-friendly messaging interface for seamless transactions.

Is Rubies free to use?

Based on the provided information, the app is free to use. There are no mentions of subscription fees, in-app purchases, or advertisements.

Who is Rubies for?

This app is intended for individuals and brands who want a consolidated platform for managing their financial activities, such as payments, banking, and lending, through a familiar messaging experience.

What are common use cases for Rubies?

Common use cases include easily sending money to friends, managing personal banking needs, and potentially accessing credit or loan services. Brands can also leverage the platform for financial interactions with their customers.