Rubies is a product of Rubies Microfinance Bank that disrupts regular banking as we know it by providing 100% digital top-notch services and technology at its peak.

With Rubies, you can
Decide what your account number looks like
Open an account in a minute
Get free Debit cards and have us deliver to you at no cost.
No hidden charges
Request money
Earn 20% income on friends you bring on board

Don’t just bank……. Be Free.
Freedom, sincerely yours….

What’s New

Version 1.7.2

1. New Account Upgrade Process
2. Betting

Ratings and Reviews

4.8 out of 5
582 Ratings

582 Ratings

Oshyroyale ,

Smooth and easier to use

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!

Nosajef ,

Best bank there is out there

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!!



There is no doubt about Rubies Digital Bank App being the King amidst its rivals as it speaks to purpose and has proven to be a disrupt in its league. From the captivating and elegant design to functionality of the App coupled with its delivery of top notch utility, excellence no doubt can’t be illustrated beyond this. Experience it and thank me later. Rubies App remains its own competition. 🎁

App Privacy

The developer, RUBIES MICROFINANCE BANK LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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