# eDirham Instant vs ruya bank

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.

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.

## The numbers

| Metric | eDirham Instant | ruya bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/edirham-instant/id1504877425/reviews) | **[4.5 (27 ratings)](https://appshunter.io/ios/app/ruya-bank/id6478231313/reviews)** |
| Number of ratings | 3 | **27** |
| Positive reviews | 14.3% of reviews | **54.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 62 MB | 241 MB |
| Requires iOS | **11.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MOF](https://appshunter.io/developer/854668128) | [Ruya Community Islamic Bank LLC](https://appshunter.io/developer/1732279808) |

## What reviewers say

### eDirham Instant

[App page](https://appshunter.io/ios/app/edirham-instant/id1504877425)

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.

**Highlights:** Cardless mobile payments, Cashless transactions, Transaction tracking, Spending management, Government service payments

**In-app purchases:** none


### ruya bank

[App page](https://appshunter.io/ios/app/ruya-bank/id6478231313)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is eDirham Instant free?

eDirham Instant is free to download, with no in-app purchases.

### Is ruya bank free?

ruya bank is free to download, with no in-app purchases.

### Which has better reviews, eDirham Instant or ruya bank?

ruya bank is rated higher. eDirham Instant averages 2.3 out of 5 from 3 ratings, while ruya bank averages 4.5 from 27 ratings.

### Do eDirham Instant or ruya bank have ads?

Neither eDirham Instant nor ruya bank shows ads.

### Which is updated more often, eDirham Instant or ruya bank?

eDirham Instant ships an update every 2 months, and ruya bank every 2 weeks. Most recently, eDirham Instant was updated on November 3, 2026 and ruya bank on November 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*