Rubies

Name: Rubies
Rating: 4.7 (523 reviews)
Author: RUBIES MICROFINANCE BANK LIMITED

WhatsApp for Payment & Banking

Free · Designed for iPad. Not verified for macOS.

523 Ratings
Age Rating

4+
Years
Category

Finance
Developer

RUBIES MICROFINANCE BANK LIMITED
Language

EN
English
Size

100.5
MB

Rubies is curated to power financial conversations between friends and brands across geographies. Payments, Banking and Lending in the way you send and receive messages.

Ratings & Reviews

4.7

out of 5

523 Ratings

Best Customer Service Experience
09/25/2020
iamsirlee
So while navigating this seemingly easy app, I made a mistake and then got stuck. Reached out to the team on Twitter and they tried helping via chat and email but that wasn’t working so they called instead and within 5 minutes everything was resolved. One of the most impressive part for me was their patience in explaining the steps I needed to take. You could sense over the phone that they do really care. Needless to say am stuck with this new bank. Thank you!
Best Customer Service Experience
09/25/2020
iamsirlee

So while navigating this seemingly easy app, I made a mistake and then got stuck. Reached out to the team on Twitter and they tried helping via chat and email but that wasn’t working so they called instead and within 5 minutes everything was resolved. One of the most impressive part for me was their patience in explaining the steps I needed to take. You could sense over the phone that they do really care. Needless to say am stuck with this new bank. Thank you!
Reliable and easy to use
05/10/2025
Daniel Bolaji
The app is user-friendly, fast, and packed with useful features like instant transfers, virtual cards. I especially love the flexibility it gives in managing my money on the go. The customer service is also top-notch, quick responses and very helpful. Highly recommend it for anyone looking for a modern and reliable banking experience. Kudos to the team behind this amazing app!
Reliable and easy to use
05/10/2025
Daniel Bolaji

The app is user-friendly, fast, and packed with useful features like instant transfers, virtual cards. I especially love the flexibility it gives in managing my money on the go. The customer service is also top-notch, quick responses and very helpful. Highly recommend it for anyone looking for a modern and reliable banking experience. Kudos to the team behind this amazing app!
Smooth and easier to use
01/21/2020
Oshyroyale
To be honest, I was a lil skeptical about it until I found out that one special distinguished was already using and talked about it. Then I knew I was going to be using this forever. I had tried to refer almost everyone but unfortunately few has started using and each time they make transaction, I got a particular %. I can do everything from this app with no or little fee. It's a life saver!
Smooth and easier to use
01/21/2020
Oshyroyale

To be honest, I was a lil skeptical about it until I found out that one special distinguished was already using and talked about it. Then I knew I was going to be using this forever. I had tried to refer almost everyone but unfortunately few has started using and each time they make transaction, I got a particular %. I can do everything from this app with no or little fee. It's a life saver!
Best bank there is out there
12/16/2019
Nosajef
With their little or no extra charges on being account holders and cardholders, they’ve really been the best out there. This is the only bank in Nigeria where you’ll have 50k and in the next 3 months you’ll still meet your 50k intact or might even meet added funds cos of the independent banker feature!!
Best bank there is out there
12/16/2019
Nosajef

With their little or no extra charges on being account holders and cardholders, they’ve really been the best out there. This is the only bank in Nigeria where you’ll have 50k and in the next 3 months you’ll still meet your 50k intact or might even meet added funds cos of the independent banker feature!!

• Save together with Esusu groups track contributions, see who has paid, and withdraw with ease • Business accounts create a business profile and manage your staff • Chat upgrades group invite links, chat backup, and easy sharing • Shop & pay browse shopfronts and track your orders • Manage loans and expenses right from the app • Refer friends and earn sharing is one tap away • A fresh new look, smoother performance, and bug fixes

Version 5.1.6 Sep 14

Data Linked to You

The following data may be collected and linked to your identity:
- Location
- Contact Info
- Contacts
- User Content

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller: RUBIES MICROFINANCE BANK LIMITED
Size: 100.5 MB
Category: Finance
Compatibility: Requires iOS 15.1 or later.

iPhone
Requires iOS 15.1 or later.

iPad
Requires iPadOS 15.1 or later.

iPod touch
Requires iOS 15.1 or later.

Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.

Apple Vision
Requires visionOS 1.0 or later.
Location: This app may use your location even when it isn’t open, which can decrease device battery life.
Languages: English
Age Rating: 4+

4+

Learn More