# C3Pay vs ruya bank

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.

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.

## The numbers

| Metric | C3Pay | ruya bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (1.7K ratings)](https://appshunter.io/ios/app/c3pay/id975098510/reviews) | [4.5 (27 ratings)](https://appshunter.io/ios/app/ruya-bank/id6478231313/reviews) |
| Number of ratings | **1.7K** | 27 |
| Positive reviews | 34.1% of reviews | **54.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 184 MB | 235 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [C3 Card](https://appshunter.io/developer/975098509) | [Ruya Community Islamic Bank LLC](https://appshunter.io/developer/1732279808) |

## What reviewers say

### C3Pay

[App page](https://appshunter.io/ios/app/c3pay/id975098510)

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.

**Highlights:** View balance and transactions, Receive SMS alerts, International money transfers, Mobile number recharge, Clean and simple interface

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

**In-app purchases:** none

**What reviewers like**

- 💰 Fantastic money sending service
- 👍 Good service, users are very happy using this app

**What reviewers complain about**

- 🐛 App crashes frequently, issues with login and app access
- 🕰️ Slow response from customer support, long wait times for card replacement
- 💳 Unexpected deductions and account balance issues
- 🔄 Frequent app updates required

**Reported bugs**

- Login issues, app not opening on iOS 15
- Inability to register new card with app

**Requested features**

- Add money transfer functionality to more countries
- Improve app stability and reliability
- Enhance customer support responsiveness


### 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 C3Pay free?

C3Pay 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, C3Pay or ruya bank?

C3Pay and ruya bank are both rated 4.5 out of 5 on the App Store, from 1.7K and 27 ratings respectively.

### Do C3Pay or ruya bank have ads?

Neither C3Pay nor ruya bank shows ads.

### Which is updated more often, C3Pay or ruya bank?

C3Pay ships an update fortnightly, and ruya bank every 2 weeks. Most recently, C3Pay was updated on September 22, 2026 and ruya bank on September 22, 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.*