C3Pay vs ruya bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
C3Pay
Manage your finances with ease. View balances and transactions, receive instant alerts for salary deposits and purchases, and transfer money internationally. Top up local and international mobile numbers quickly.
- View balance and transactions
- Receive SMS alerts
- International money transfers
- Mobile number recharge
- Clean and simple interface
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Now here with a cleaner look under your fingertips, our aim is to provide you with the simplest and the quickest way of managing your money. Use C3Pay to: - View your balance and transaction from anywhere, anytime. - Get SMS alerts whenever you receive your salary or make a purchase in shops. - Transfer money in minutes to your home country - Your first transfer is FREE! - Recharge any local and international mobile number instantly. Note: The app services are only available to C3Pay cardholders.
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: C3Pay at 1.7K against ruya bank's 27. C3Pay also leads on iOS requirement (15.0 vs 17.0). ruya bank's advantage is review sentiment (55% vs 34%) and monetization model (free vs ad-supported). On price, rating, 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.
On the App Store both sit at effectively the same score — 4.5 for C3Pay against 4.5 for ruya bank. That said, the two scores are not equally well evidenced: C3Pay has 1.7K ratings behind it against 27, so its average is the more settled of the two. Written reviews are what separate them: 34% of C3Pay's written reviews are positive against 55% of ruya bank's.
C3Pay ships an update fortnightly, ruya bank every 2 weeks. Both last shipped on September 22, 2026.
| Parameter | C3Pay | ruya bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (1.7K ratings) | 4.5 (27 ratings) |
| Positive reviews | 34.1% of reviews | 54.7% of reviews — better |
| Number of ratings | 1.7K — better | 27 |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 184 MB | 235 MB |
| Age rating | 4+ | 4+ |
| Developer | C3 Card | Ruya Community Islamic Bank LLC |
Customer experience
C3Pay
ruya bank
Bugs and requests
C3Pay
Reported bugs
2 issues- Login issues, app not opening on iOS 15
- Inability to register new card with app
Requested features
3 requests- Add money transfer functionality to more countries
- Improve app stability and reliability
- Enhance customer support responsiveness
ruya bank
Not enough reviews yet to summarise bugs or requests.
In-app purchases
C3Pay
No in-app purchases
ruya bank
No in-app purchases
