Made in the UAE
Your everyday account, with a lot more built in.
Get your own UAE IBAN, cards, term deposits and Circle group savings in one app. Your account is issued by Ruya Community Islamic Bank, licensed by the Central Bank of the UAE.
Issued by ruya
Made for real life here
One account for salary, spending and saving.
Receive your salary, pay rent, move money to family and put savings aside, all from a single UAE account with your own IBAN. No branch visits, no paperwork.
Account & IBAN
Your account, your UAE IBAN.
Get a real UAE account with your own IBAN. Receive your salary, see your balance and manage everything in one place, held at Ruya Community Islamic Bank.
Transfers
Money moves the moment you do.
Send and request money across the UAE in seconds. Split a bill, pay a friend back, or set it to repeat, with no IBANs to copy each time and no waiting around.
Circle · Jamʹiya
The saving circle, reimagined.
The way families and friends here have always saved together, now automated and secure in the app.
Save together
Save together. Get paid in turns.
Invite the people you trust, set the contribution and the order, and let Maly handle every collection and payout. Everyone sees exactly where things stand.
Cards Coming soon
A card for every side of your life.
Spin up separate cards for everyday spending, subscriptions and travel. Each one has its own limits and controls, all from the account you already have.
Term deposits
Lock it in. Watch it grow.
Set money aside for a fixed term and earn an agreed profit, the Shariah-compliant way. Track your tenure, maturity date and expected profit at a glance, with your capital returned in full at maturity, held at Ruya Community Islamic Bank.
Get started
Open your account in three steps.
Download the app
It takes just a few minutes to apply, and comes with everything you need to manage your money.
Verify with UAE Pass
Confirm your identity in seconds with the UAE’s national digital ID, securely and instantly.
Start moving money
Fund your account, then send, save and spend right away, all from one app.
Licensed & regulated
A real account, backed by real regulation.
Your money is held and moved under UAE financial regulation, not on the sidelines of it.
Your account, cards and deposits are issued and held by Ruya Community Islamic Bank, a UAE Islamic bank. A genuine, Shariah-aligned account sits behind the Maly experience.
Ruya is licensed and regulated by the Central Bank of the UAE (CBUAE). Your account follows CBUAE rules for consumer protection, KYC and AML, with your data resident in the UAE.
Proudly made in the UAE.
Designed and built in the Emirates, for the way people here save, send and share money, with local regulation and culture at its core.
Get started
Your account is
a download away.
Open your Maly UAE account in minutes and start sending, saving and building your Circle today.