
How to make money with Rubies bank in simple steps
July 3, 2020
How to make money with Rubies bank in simple steps
Rubies bank – I will be showing you how digital banking is taking the lead in a more convenient way, to further enhance the finance sector, in furtherance to the emergence of Fintech companies.
What is Rubies bank and who owns it?
Rubies bank is a digital banking platform, which as well avail its users a zero fee on transactions consummated, Rubies is powered by Cloud Technology, AI and analytics.
The platform allows you as a customer to consummate all your banking transactions just like you have been doing with the traditional financial institutions, but with Rubies, the process is faster, easier and at no cost to you.
Rubies is owned by Highstreet Microfinance bank, it offers support for professionals, artisans and SMEs.
Who can use Rubies bank?
Rubies is meant for:
- Young professionals
- SMEs
- Quasi financial institutions and Fintech companies.
Rubies does not only promise to help with your transactions on the go, it’s seamless and free of hitches, does not attach any charge to services rendered, many amongst this are what makes Rubies different.
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However, let’s take an optical appraisal on why Rubies is different from traditional banks
Rubies is different from the traditional banking in a number of ways which include but not limited to:
- Rubies afford you a little interbank charge of N21 against 52.50 charged by other conventional financial institutions.
- The above charge is being paid to the interbank service providers and not Rubies itself.
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Rubies has about 1300 branches and 1000 ATMs across Nigeria
- Rubies has a social appeal, you can easily communicate with other users on Rubies, when friends join, you are alerted.
- Proximity, this feature helps you see people around your location
- The money market, this is a section where you can leverage the power of Rubies to make money. It’s either you invest or you give out loans.
Rubies unique features
Just like a complete package, Rubies ensure that each of its product offering has a unique experience for its users to reminisce afterwards. These features include but not limited to:
- Personalized account number, this ensures that your account number is for you and you alone (you may use your phone number if deem fit)
- You can request money, you are at liberty request money and get credited from someone’s account instantly provided there’s an agreement level.
- There’s a transfer proximity, you can send money using location, it’s that easy and simple.
- You get a free debit card, Rubies offers a free debit card to its product users, this card comes at no cost to you at all, additionally, can be delivered to your preferred location.
Services offered by Rubies
Rubies offers tasteful banking services with convenience, from basic account services to loans, support for young professionals, artisans and SMEs.
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How to open an account with Rubies bank
Step 1: Download the Rubies app from either the play store or Apple App store
Step 2: Having launched the app, you’ll get to the enrolment page
Step 3: Input your phone number and email address to register
Step 4: In the next page, you’ll be informed that your phone number is your username and can change it if you prefer, you’ll also have to fill in your first and last name in the form displayed.
Step 5: In the next slide, you will set up your 6-digit pin and also confirm it.
Step 6: We’ll send you an OTP to your registered number
Step 7: You’ll be asked to either choose your account or have one generated for you.
Step 8: Your account has been created successfully.
How to make money from Rubies bank
This should be about the most interesting section of this guide, however, making money from Rubies is very easy if you will follow the steps I am about to reveal to you here.
To make money with Rubies, you have to register as an “Independent banker” as seen on the app, you will receive a separate account number for this category.
- Click on “Independent banker”
- Get started
- Enter your telephone number
- Input your BVN
- Click on proceed and complete the process.
A referral link will be generated for you.
What are you expected to do with the referral link?
Simply share it with your friends on social media and other platforms, encourage them to come onboard, once they get registered, consummate transactions you’ll be earning in the process.
Frequently Asked Question on Rubies Bank
Q1. Where is Rubies bank office located?
We are a digital bank, and we currently have only one branch in Lagos.
You may reach us via any of the available options on the support menu on your app.
Q2. How can I tell people about Rubies?
You may organize a small gathering of friends, you can also propose to have a talk at your church/mosque on youth empowerment.
You could get a document to aid in your presentation, kindly send a mail via support@rubbies.ng this way you can reach out to a number of people at the same time.
Q3. Who can open an account?
If you are at least 18 years old and Nigerian, you can open an account with us, regardless of your financial history.
Q4. How do I get an account with Rubies?
Take the below steps;
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Step 1: Download the Rubies app from either the play store or Apple App store
Step 2: Having launched the app, you’ll get to the enrolment page
Step 3: Input your phone number and email address to register
Step 4: In the next page, you’ll be informed that your phone number is your username and can change it if you prefer, you’ll also have to fill in your first and last name in the form displayed.
Step 5: In the next slide, you will set up your 6-digit pin and also confirm it.
Step 6: We’ll send you an OTP to your registered number
Step 7: You’ll be asked to either choose your account or have one generated for you.
Step 8: Your account has been created successfully.
Q 5: How long will it take for my debit card to arrive?
Once you have opened your account, you are at liberty to order your Rubies debit card within the “Card section of the app.” When you order the card you’ll need to confirm the delivery address you’d like the card to be sent to.
In most cases your Rubies card will arrive at your address within 7 to 10 business days.
Q 6: How do I activate my Rubies card?
Your 4-digit default pin will appear on the card icon on the app.
In order to activate the card, please go to any ATM to change your default pin to your now preferred pin.
Q 7: How do I keep my account safe?
The following tips apply,
Never share your app passcode with anyone.
Use an email address that only you are using and have access to.
Never give your card pin to anyone else.
Never give your full card number, expiry date or CVC number to anyone, as this is your way to authorize online payments.
Q 8: I need to verify my address, what should I do if I don’t receive my card?
If you do not receive your card, this could happen if you enter an incorrect address.
If you find that you are still having issues receiving your card, please contact our customer support team, and we will do our best to ensure a card arrives to you as quickly as possible.
Q 9: What is your investment plan?
The investment option is on the features of our money market.
The interest rate is 9% per annum and minimum you can invest is N50,000.
To invest, all you need to do is log in, tap on the money market icon and select investments.
Q 10: What is my card top-up limit?
The limit for funding through card is N3000 daily
Q 11: Forgotten password?
Kindly open your Rubies app, click log in, click on “Not you” at the bottom left corner, type your username, most likely your mobile number.
Then click “Reset your password” a token will be sent to your registered Rubies number.
Q 12: What is my account limit?
Your limit on the account is N150,000 before upgrade and N1,000,000 after upgrade.
Your Rubies account does not have a maximum limit, you can have any amount in your account.
Q 13: How can I close my account?
Kindly send a mail to support@rubies.ng from your email or contact us in the in-app chat under support.
Q 14: What is the Rubies invite and earn program?
Our invite and earn referral program is a great way to share Rubies with your friends and family, not only does it help you to spread the word about how you can manage your money better, it also rewards both you and everyone you invite.
You will be rewarded for bringing in friends who join and start using Rubies, once they’ve made the first transaction on the app, you will make 50% of what Rubies makes from each of your invites transaction.
Here is how it works:
Step 1: Kindly log on to your app
Step 2: Select independent banker
Step 3: Click on invite link, you will be able to share your link through Whatsapp and any other means, once your friends sign up using your link, you become and independent banker.
Step 4: Once the friend you invite has spent a set amount, you’ll both get a second bonus.
Conclusion
Can I use my debit card for online transactions?
You can use your Rubies debit card for some local transactions, but for international transactions, sadly, no, we do plan on getting virtual cards that will be able to.
Once that’s available, it will be made known to the public.
What are you waiting for, join Rubies bank today and enjoy the experience.

Raphael Orji is a freelance writer, professional blogger and a content marketing consultant. I work with small businesses, startups and entrepreneurs in building their brand image with high quality blogging and content marketing strategy.
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3 comments on “How to make money with Rubies bank in simple steps”
Emma sunday
July 5, 2020 at 6:17 pmGood
Markus Danladi pam
January 6, 2022 at 11:21 amI wanted to joined the platform, I need full details on the registration please
blessing
June 26, 2022 at 3:19 pmSomebody told that if I invest with Rubis like 5k between 1hour I will receive double of the money which is 10k is it true