AFS Pro vs ruya bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AFS Pro
This app helps small and medium businesses manage operations with features like prepaid card requests, POS transaction insights, and a B2B marketplace for buying and selling goods. Merchants can also request additional POS terminals and services through a self-service portal.
- Prepaid card requests
- POS transaction and settlement history
- Self-service for POS terminals
- B2B marketplace for buyers and sellers
- Digitized daily settlements
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AFS Pro Mobile app has been meticulously designed to cater to the unique needs of small and medium-sized enterprises. It offers an array of features aimed at simplifying and enhancing their business operations, such as: • Prepaid Card Requests: With the AFS Pro app, merchants can effortlessly request AFS – VISA prepaid cards, digitizing their daily settlements to their prepaid account. • Point of Sale (POS) Insights: The POS section within the app provides merchants with invaluable features like transaction history, settlement history data, MIS and various other value-added features. This real-time information empowers them to make informed decisions and manage their finances more effectively. • Self-Service Options: AFS Pro includes a self-service portal, allowing merchants to request additional POS terminals and other essential services, providing them with unparalleled convenience and flexibility. • B2B Marketplace: This section will have buyer / seller module in which the merchants can purchase goods/services from each other. The seller will be provided with an option to list all their products & services with quantity and price. The buyer can select the product and quantity to purchase and initiate the payments directly to the seller within the B2B Marketplace.
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: AFS Pro at 5.0 against ruya bank's 4.5. ruya bank's advantage is ratings volume (27 vs 1). On price, update cadence, ads and in-app purchases 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.
AFS Pro holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: ruya bank has 27 ratings behind it against 1, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.
| Parameter | AFS Pro | ruya bank |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.5 (27 ratings) |
| Positive reviews | — | 54.7% of reviews |
| Number of ratings | 1 | 27 — better |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 183 MB | 241 MB |
| Age rating | 17+ | 4+ |
| Developer | ARAB FINANCIAL SERVICES CO. B.S.C.CLOSED | Ruya Community Islamic Bank LLC |
Customer experience
AFS Pro
ruya bank
In-app purchases
AFS Pro
No in-app purchases
ruya bank
No in-app purchases
