Open Zero Balance Account Online 2025 | Ruya Bank | Best Saving Account in UAE

How to Open RUYA Bank’s Best Zero Balance Account Online in UAE in 3 Minutes (2025)

Looking for a zero balance account that’s fully digital, with no hidden fees and zero minimum salary or balance requirements? RUYA Bank offers a fast, hassle-free online banking solution, and you can open an account in under 5 minutes from the comfort of your home. In this guide, we’ll walk you through the simple steps to open a RUYA zero balance account, get your RUYA bank card, and activate your account—all in just a few minutes!

Why Choose RUYA Bank?

Whether you’re a fresh worker, professional investor, or seasoned entrepreneur, RUYA Bank is an excellent choice for your banking needs. As a leading Islamic digital bank in the UAE, RUYA Bank offers innovative, customer-focused financial solutions with competitive interest rates and a variety of account options. Catering to both personal and business customers, RUYA Bank provides seamless access to savings accounts, current accounts, and other specialized digital banking services—all designed to make your financial life easier.

Benefits of Opening an Account with RUYA Bank:

No Minimum Balance or Salary Requirements: Enjoy the flexibility of zero balance accounts that don’t restrict you with a minimum salary.
No Hidden Fees: Transparent banking with no unexpected charges.
Easy Online Account Opening: Open your account completely online, with no need to visit a branch.
Debit Card: Get a free RUYA debit card upon opening an AED savings account, for easy daily transactions.
Loyalty Rewards: Earn loyalty points with every transaction and redeem them for exciting rewards.
Free E-Statements: Receive free e-statements every month for easy account management.
Interest Earnings: Your savings earn interest, credited semi-annually to grow your wealth.
Salary Transfer Prizes: Enjoy exclusive prizes when you transfer your salary directly to your RUYA account.
Documents Required and Eligibility Criteria:

Opening an account with RUYA Bank is easy and straightforward. Here’s what you’ll need:

For UAE Residents:

UAE PASS or
Original passport with a UAE residence visa (valid for more than 1 month)
Original Emirates ID
No salary certificate required
Minimum salary: AED 1000 per month
For Non-UAE Residents (Current Account Only):

Original passport
Letter of introduction from an existing RUYA Bank customer with more than one year of relationship
Three-month stamped bank statement from your current bank
Entry stamp page or e-gate card and visit visa
How to Close a RUYA Bank Account:

Closing your RUYA Bank account is just as easy as opening it. You don’t need to visit a branch—everything can be done online:

Fill out the Account Closure Request Form available on the RUYA Bank app or website.
Provide essential details like your account number, full name, and the reason for closure.
Alternatively, you can send an SMS with the word ‘CLOSE’ to the RUYA Bank helpline from your registered mobile number or contact customer care.
How to Open a RUYA Zero Balance Account Online:

Opening a RUYA Bank zero balance account is incredibly easy and can be completed entirely online in under 5 minutes:

Visit the RUYA Bank website or download the RUYA Bank mobile app.
Complete the account opening form with your basic details.
Upload required documents (passport, Emirates ID, etc.).
Review your details and submit your application.
Receive instant approval, get your RUYA debit card, and start managing your account immediately.
Why RUYA Bank? With RUYA Bank, you’re not just opening an account; you’re starting a seamless digital banking experience with a bank that understands the needs of today’s UAE residents. Whether you’re an expat, a business owner, or an entrepreneur, RUYA provides fast, secure, and convenient banking that fits into your busy lifestyle.

Open Your RUYA Zero Balance Account Today!

In today’s fast-paced digital world, RUYA Bank is the best choice for anyone looking for a zero balance account in the UAE. Open your account today, and start experiencing a whole new level of banking convenience, with no minimum balance, no hidden fees, and 100% online processing.

Open Ruya Account:
https://ruyabank.ae/