Your Pemo Business Account, provided by ruya, supports cheque deposits through JMBR, ruya’s courier partner. You don’t need to visit a branch.
Request a collection, and JMBR will collect your cheque and deliver it to a ruya branch for clearing.
This article explains how cheque deposits work, what fees apply, and how to get in touch.
Where cheque and cash deposits are supported
Can I deposit cheques into my Pemo account?
Yes. You can deposit cheques into your Pemo Business Account, the UAE business bank account with its own IBAN provided by ruya.
Cheque collection and post-dated cheque lodgements are supported through JMBR.
Can I deposit cheques or cash into my Card Wallet?
No. The Card Wallet, which funds your Pemo corporate cards, only accepts top-ups by online bank transfer.
Cheques and cash can be deposited into the Business Account, not the Card Wallet. Cheques are collected by JMBR and delivered to a ruya branch for clearing.
Cash deposits can be made at:
A ruya cash deposit machine
Any Lulu Exchange branch
Any Al Ansari Exchange branch
The ruya Community Centre in Ajman
Cash withdrawals aren’t available.
If you want to use cheque funds for card spend, deposit the cheque into your Business Account first. Then transfer the amount to the Card Wallet inside the app.
How cheque collection works
Contact the ruya help centre and request a cheque collection.
Your request is logged, and you’re informed of the collection charge.
JMBR contacts you to arrange the pickup location, date, and time.
JMBR collects the cheque and delivers it to a ruya branch for clearing.
Post-dated cheques (PDCs)
Post-dated cheques can be deposited through the same route. A PDC lodgement fee applies per cheque, on top of the cheque collection request fee.
Fees
You can request cheque collection or lodge post-dated cheques for the following fees:
Service | Fee |
Cheque collection request (per request) | AED 15.75 |
PDC lodgements (per cheque) | AED 10 + VAT |
Contacting the ruya help centre
To log a cheque collection request, contact ruya:
Contact option | Details |
Hours | Monday to Sunday, 8 AM to 9 PM |
Within UAE | 600507892 |
Outside UAE | +97167070570 |