eDirham Instant vs ruya bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
eDirham Instant
This app enables cardless and cashless mobile payments in the UAE. Users can securely make payments, track transactions, and manage their spending, particularly for government services.
- Cardless mobile payments
- Cashless transactions
- Transaction tracking
- Spending management
- Government service payments
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Make cardless and cashless payments via your mobile with eDirham Instant. Track your transactions and manage your spending. ● Make cardless payments conveniently and securely. ● Use eDirham Instant to pay for government services across the UAE. ● Easily track your payments on the mobile app.
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 rating: ruya bank at 4.5 against eDirham Instant's 2.3. ruya bank also leads on review sentiment (55% vs 14%) and update cadence (every 2 weeks vs every 2 months). eDirham Instant's advantage is iOS requirement (11.0 vs 17.0). On price, ads, in-app purchases and monetization model 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.
ruya bank holds the better App Store score, 4.5 against 2.3. That said, the two scores are not equally well evidenced: ruya bank has 27 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 14% of eDirham Instant's written reviews are positive against 55% of ruya bank's.
eDirham Instant ships an update every 2 months, ruya bank every 2 weeks. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.
| Parameter | eDirham Instant | ruya bank |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 4.5 (27 ratings) — better |
| Positive reviews | 14.3% of reviews | 54.7% of reviews — better |
| Number of ratings | 3 | 27 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 11.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 62 MB | 241 MB |
| Age rating | 4+ | 4+ |
| Developer | MOF | Ruya Community Islamic Bank LLC |
Customer experience
eDirham Instant
ruya bank
In-app purchases
eDirham Instant
No in-app purchases
ruya bank
No in-app purchases
