| UAE Nationals Eligible | Yes |
| Expatriates Eligible | Yes |
| Minimum Age | 18 Years |
| Flat Interest Rate | - Unrestricted Mudaraba. Profit depends on investment performance. Ruya acts as Mudarib with an 85% share. Most recent declared distribution is approx. 0.8% p.a. for Q2/Q3 2024 (not guaranteed). Credited quarterly. |
| Interest Payment Frequency | Quarterly |
| Islamic Banking | Yes |
| Minimum Balance Requirement | AED 0.00 |
| Below Minimum Fee | AED 0.00 |
| Early Closure Fee | AED 0.00 |
| Supported Currencies | AED |
| Negative Balance Interest | 0.00% |
| Prize Draw | No |
| Cashback Rewards | No |
| Lounge Access | No |
| Requires Regular Deposits | No |
| Joint Account Allowed | Yes |
| Minor Allowed | No |
| savings_accounts.can_open_online | Yes |
| Mobile Banking | Yes |
| Debit Card | Yes |
| Cheque Book | No |
| 24/7 Support | Yes |
| Sustainability Incentives | No |
| Goal-Based Savings | No |
