EI + vs ruya bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EI +
This mobile banking application offers advanced technology and an improved user experience for both new and existing clients. It provides a streamlined way to manage your finances on the go.
- Advanced technology integration
- Enhanced user experience
- Manage finances on the go
- For existing and new clients
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Emirates Islamic's newest mobile banking offering brings the latest in technology, and enhanced user experience to our existing and new clients.
ruya bank
Experience a new approach to Islamic banking focused on fairness and transparency. Open an account quickly, manage your finances on the go, and enjoy a banking experience with no hidden fees. Features include instant notifications, card management, and a dedicated kids' account.
- Open account in under five minutes
- No minimum salary or balance
- Fast set-up login with UAE PASS or Face ID
- Spend, save, and track finances
- No hidden fees
- Instant transaction notifications
- Virtual and physical card payments
- Ruya Kids Account for children
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Welcome to ruya, a new community Islamic bank guided by pillars of fairness, transparency and social responsibility. Download the ruya app today and open an account in under five-minutes with your UAE Pass or Emirates ID. Features include: - No minimum salary or account balance requirements - Fast set-up login with UAE PASS or Face ID - Spend, save and easily keep track of your finances on the go - No hidden fees, ensuring complete transparency - Get instant notifications when money is credited or debited from your account - Make payments with both virtual and physical card options - Pay bills and make regular or one-off payments - Instill financial responsibility in your children by opening a ruya Kids Account - Manage your card in just a few clicks - For any in-app assistance, select the ‘chat with us’ feature for instant help 24/7
Screenshots
Verdict
The clearest difference is ratings volume: EI + at 4.6K against ruya bank's 27. EI + also leads on rating (4.7 vs 4.5). ruya bank's advantage is monetization model (free vs ad-supported). On price, review sentiment, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
EI + holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: EI + has 4.6K ratings behind it against 27, so its average is the more settled of the two. Written reviews split almost evenly too, at 55% and 55% positive.
EI + ships an update every 10 days, ruya bank every 2 weeks. The most recent releases landed on October 14, 2026 and October 7, 2026 respectively.
| Parameter | EI + | ruya bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (4.6K ratings) — better | 4.5 (27 ratings) |
| Positive reviews | 55.4% of reviews — better | 54.7% of reviews |
| Number of ratings | 4.6K — better | 27 |
| Update frequency | Every 10 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 685 MB | 240 MB |
| Age rating | 4+ | 4+ |
| Developer | Emirates Islamic Bank P.J.S.C | Ruya Community Islamic Bank LLC |
Customer experience
EI +
ruya bank
Bugs and requests
EI +
Reported bugs
5 issues- Credit card balance and transactions not updating
- Can't access credit card details
- Lost all beneficiary accounts and historical data
- Unable to transfer money, international transfers not working
- Forced to re-enter all account details and beneficiaries
Requested features
5 requests- Increase credit card limit
- Provide a link to relationship manager
- Add more communication options
- Improve customer service and response time
- Restore old app features and functionality
ruya bank
Not enough reviews yet to summarise bugs or requests.
In-app purchases
EI +
No in-app purchases
ruya bank
No in-app purchases
