Ruby Current Account Classic

Ruby current account is a gender specific product designed for discerning women so as to satisfy some of their special business and personal needs.

Everyone is different so one size never fits all

That is why we have a wide range of accounts to fit everyone, regardless of situation or lifestyle. So whether you want a basic account or one bursting with options, you will find the right account that meets your expectations.


  • GHS 2,000 Minimum Opening/Operating Balance
  • No limit on number of withdrawals
  • Can be used as a payroll account

Target Market

  • Self Employed/Business women
  • Women Executives
  • Professional women – mid to senior level officers
  • Housewives, married to spouses with mid to high income spouses


  • Zero COT (Subject to maintaining the minimum balance)
  • Attractive interest rate of up to 5% for balances above GHS 20,000
  • Cash collateralized loans for up to 80% of account balance
  • Access to consumer credit facilities (terms apply)
  • Up to 20% discount on services offered by various Ruby partner outlets
  • Free e-Banking channels enrolment - Internet Banking and Alert services
  • Customized Ruby account cheque book and Debit Card


  • Completed account opening form
  • 2 passport photograph
  • Valid means of Identification: Employers ID, International Passport, National lD, Driver's License, Voter’s card or other acceptable ID
  • Utility bill not exceeding 3months old
  • 2 current account references

All Current Accounts Come With

Internet Banking

Secure Transactions

Transaction Notifications

24/7 Banking

UBA Online Account

No need to visit the bank

The UBA Online Account is a unique account designed for people who desire to carry out their banking activities purely online, without visiting a bank branch.

Enjoy the flexibility of banking on the go, with our electronic channels (internet banking, mobile banking, ATM and EmailMoni) and get a 30% concession on transaction fee.