# Rubies β€” WhatsApp for Payment & Banking > Messaging-based platform for payments, banking, and lending. (iPhone/iPad app by RUBIES MICROFINANCE BANK LIMITED.) - Source: https://appshunter.io/ios/app/rubies/id1458430556 (this page in markdown: same URL + `.md`) - Developer: [RUBIES MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1458430315) - Category: Finance, Utilities - Price: Free - Rating: 4.70/5 from 523 App Store ratings Β· 62 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 Β· 94 MB - Languages: American English - Released: 2019-04-09 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/rubies/id1458430556/reviews.md ## What is Rubies? Rubies is curated to power financial conversations between friends and brands across geographies. Payments, Banking and Lending in the way you send and receive messages. ## Key features - Financial conversations - Cross-border payments - Banking services - Lending options - Messaging interface ## What do users think of Rubies? Overall sentiment: neutral **Pros** - πŸ‘ User-friendly - πŸš€ Fast and efficient - πŸ’³ Flexible banking features - πŸ₯° Excellent customer service - 🀩 Innovative app design **Cons** - πŸ› Occasional app crashes - πŸ’° Unreasonable charges - ⏱️ Slow app performance - πŸ€” Unresponsive customer support - 🚫 Difficulty with KYC verification **Commonly reported bugs** - Insufficient funds error despite adequate balance - Login screen freezes - Incompatibility with older devices - Inability to add BVN - OTP not being sent for password reset **Most requested features** - Improve chat feature functionality - Expand availability to non-Nigerian users - Add dark mode option - Enhance in-app security measures - Streamline debit card request process ## Recent user reviews (10 of 62) All indexed reviews: https://appshunter.io/ios/app/rubies/id1458430556/reviews.md ### 5/5 β€” Great Update – Smooth and Fast *2026-07-03, version 5.1.3* 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! ### 5/5 β€” So good *2026-07-03, version 5.1.3* It’s awesome, I make transactions in seconds and the customer support team is wow ### 5/5 β€” Customer Service *2026-07-03, version 5.1.3* Fantastic customer service ### 1/5 β€” Subject: URGENT – Account Not Accessible After Transaction Dear Support Team, *2026-02-20, version 5.0.0* 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 ### 1/5 β€” Why me *2025-12-17, version 4.7.9* 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 ### 5/5 β€” So far so good! *2025-08-26, version 4.7.5* So far so good you guys keep it up I’m a new user but it’s been Amazing here ✌🏽 ### 5/5 β€” Reliable and easy to use *2025-05-10, version 4.7.4* The app is user-friendly, fast, and packed with useful features like instant transfers, virtual cards. I especially love the flexibility it gives in managing my money on the go. The customer service is also top-notch, quick responses and very helpful. Highly recommend it for anyone looking for a modern and reliable banking experience. Kudos to the team behind this amazing app! ### 5/5 β€” On the chat *2025-05-10, version 4.7.4* Very lovely, fast messaging, rubies app for the win!!!!!! ### 5/5 β€” The app is slow and the worst fintech bank I’ve used *2025-04-07, version 4.7.2* Aside from the charges on every single transaction I make even 50naira, the app is slow, none of the β€œchat feature” works aside sending of money and I can do that from the main app. The chat feature is supposed to be their main attraction but it is extremely slow. It is supposed to be different from other fintech but it is worse. I don’t see myself using this app Fix your app ### 5/5 β€” Good *2025-02-18, version 4.7.0* Very straight forward and easy to access ## Frequently asked questions about Rubies ### 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. ## Version history (last 5 releases) ### 5.1.5 β€” 2026-08-03 β€’ Save together with Esusu groups track contributions, see who has paid, and withdraw with ease β€’ Business accounts create a business profile and manage your staff β€’ Chat upgrades group invite links, chat backup, and easy sharing β€’ Shop & pay browse shopfronts and track your orders β€’ Manage loans and expenses right from the app β€’ Refer friends and earn sharing is one tap away β€’ A fresh new look, smoother performance, and bug fixes ### 5.1.4 β€” 2026-07-14 Bug Fixes ### 5.1.3 β€” 2026-06-26 Group Savings & Ajo is here β€” save together with your group, right inside the chat. β€’ Create a savings plan in a group (admins) β€” fixed amount for all members, or let each member choose their own monthly amount. β€’ Browse a group's schemes and subscribe in a tap. β€’ Track your monthly contribution schedule, pay what's due, and see your balance and totals. β€’ View all members and share a plan's details. β€’ Tap any paid month to view its transaction receipt. Also in this update: β€’ You no longer get a push notification for your own messages in a group. β€’ Fixed text that could appear blank/white while typing in some fields. β€’ Fixed a cut-off amount on the savings detail screen. β€’ Cleaner group info card, clearer screen titles, and general performance & stability improvements. ### 5.1.2 β€” 2026-06-25 Group Savings & Ajo is here β€” save together with your group, right inside the chat. β€’ Create a savings plan in a group (admins) β€” fixed amount for all members, or let each member choose their own monthly amount. β€’ Browse a group's schemes and subscribe in a tap. β€’ Track your monthly contribution schedule, pay what's due, and see your balance and totals. β€’ View all members and share a plan's details. β€’ Tap any paid month to view its transaction receipt. Also in this update: β€’ You no longer get a push notification for your own messages in a group. β€’ Fixed text that could appear blank/white while typing in some fields. β€’ Fixed a cut-off amount on the savings detail screen. β€’ Cleaner group info card, clearer screen titles, and general performance & stability improvements. ### 5.1.0 β€” 2026-06-16 What's New: * New group info card at the top of every group chat * Tap-to-download for received photos & videos β€” they stay downloaded * Group invite links now include a description * Independent Banker added to the All Menu * Fixed overlapping send/@ buttons in chat * UI polish, Stake history & Winners improvements, and bug fixes ## Apps similar to Rubies | App | Rating | Price | Category | | --- | --- | --- | --- | | [EMI, GST & Loan Calculator](https://appshunter.io/ios/app/emi-gst-and-loan-calculator/id1197868380) | 1.7 (3) | Free | Finance | | [δΊ‘ι—ͺδ»˜ε•†ζˆ·ι€š](https://appshunter.io/ios/app/id1219120000) | 1.0 (1) | Free | Finance | | [Edifito-App](https://appshunter.io/ios/app/edifito-app/id1178977320) | 2.0 (1) | Free | Finance | | [Money - Financial Planning](https://appshunter.io/ios/app/money-financial-planning/id1190966640) | 3.3 (3) | Free | Finance | | [BCU Bank](https://appshunter.io/ios/app/bcu-bank/id1179612720) | 1.0 (1) | Free | Finance | | [SmartXpense](https://appshunter.io/ios/app/smartxpense/id1220174080) | 5.0 (2) | Free | Finance | ## More apps by RUBIES MICROFINANCE BANK LIMITED - [Rubies Junior](https://appshunter.io/ios/app/rubies-junior/id1528977560) All apps by RUBIES MICROFINANCE BANK LIMITED: https://appshunter.io/developer/1458430315 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*