Alaan · digital business account
Alaan Business Account
Business bank account issued by ruya and built into the Alaan spend platform — one login for the account, corporate cards and expense workflows.
Is Alaan Business Account worth it?
- free-zone companies: Alaan Business Account onboards free-zone entities on its published criteria.
- startups watching fixed cost: Alaan Business Account asks for no minimum balance and AED 79/mo — workable before revenue is steady.
- founders outside the UAE: Alaan Business Account onboards fully remotely — no branch visit required.
Pricing
- Monthly fee
- AED 79
- Minimum balance
- AED 0
Eligibility
- Not suitable for
- companies that want a full bank account — Alaan is a regulated payments account, not a bank; no overdraft, lending or deposit protection in the banking sense. Businesses needing trade finance or term loans
Business operations
- Approval time
- 2–3 days
- Free-zone companies
- Yes
- Branch visit
- Not required
How onboarding goes
- Application: Submit the request through the provider’s channel and upload documents
- Compliance review: KYC checks and document verification
- Decision: Typical timing: 2–3 days
- Go live: Access activated and the product is live
Documents you'll typically need
- Valid UAE trade licence (mainland or free zone)
- Memorandum and Articles of Association
- Passports and Emirates IDs of shareholders and authorised signatories
- UBO (ultimate beneficial owner) declaration
- Office tenancy contract, Ejari or flexi-desk agreement
- Recent invoices or contracts for new companies; 6–12 months of bank statements for operating businesses
Typical pack for this category — the provider confirms the exact list on application.
AED 79/month added to the Alaan Premier plan; account issued by ruya Community Islamic Bank (CBUAE-licensed). No minimum balance.
Verified answers
What plans does Alaan offer and what do they cost?
Three plans: Starter at AED 0/month (up to 3 users, 2 cards per user, wallets, OCR receipt scanner, real-time reporting), Premium at AED 499/month (currently offered with 3 months free), and Enterprise with custom pricing.
Source: alaan.com · verified
What does the Alaan Business Account add-on cost?
AED 79/month as an add-on on the Premium plan. It includes a dedicated IBAN in the company name, local and cross-border payments, and AI-driven payables. Free for the first 3 months for new customers; existing customers may get up to 12 months free by loyalty tier. Eligibility: UAE businesses with more than 5 employees.
Source: alaan.com · verified
Who issues the Alaan Business Account?
The account is issued by Ruya Community Islamic Bank, authorised and regulated by the Central Bank of the UAE, and is Shariah-compliant by design. Alaan is a fintech company, not a bank.
Ruya Community Islamic Bank, authorised and regulated by the Central Bank of the UAE, and is Shariah-compliant by design. Source: alaan.com · verified
What cashback does Alaan pay?
Premium and Enterprise earn uncapped cashback credited to the account: 2% on international card spend and up to 1% on domestic spend. UAE corporate tax paid by Alaan card earns 1% cashback.
Source: alaan.com · verified
What security and insurance does Alaan carry?
Alaan is ISO 27001 certified and provides Business Card Liability Waiver Insurance covering unauthorized use of Alaan Visa cards — up to USD 25,000 per cardholder and USD 1,650,000 per company annually.
Source: alaan.com · verified
Which accounting tools does Alaan integrate with?
Direct integrations with Xero, QuickBooks, NetSuite, Microsoft Dynamics, Zoho and Odoo; accounting integrations are a paid add-on on the Starter plan.
Xero, 
QuickBooks, NetSuite, Microsoft Dynamics, 
Zoho and 
Odoo; accounting integrations are a paid add-on on the Starter plan.Source: alaan.com · verified
Head-to-head
Frequently asked questions
Is Alaan Business Account worth it for free-zone companies?
Yes — Alaan Business Account onboards free-zone entities on its published criteria.
Is Alaan Business Account worth it for startups watching fixed cost?
Yes — Alaan Business Account asks for no minimum balance and AED 79/mo — workable before revenue is steady.
Is Alaan Business Account worth it for founders outside the UAE?
Yes — Alaan Business Account onboards fully remotely — no branch visit required.