Stocks & ETFs
Wahed Invest
Halal investing made simple
Overall score4.6
Minimum deposit$100
Markets listed4
Managed investing vs screening
Wahed Invest vs Zoya
Compare a managed halal investing platform with a lightweight stock screening app.
By HalalInvestGuide Editorial Research DeskUpdated 2026-05-24Reviewed by HalalInvestGuide Data Operations TeamMethodologyAffiliate disclosure
Our verdict
Choose Wahed if you want a managed halal portfolio and are comfortable with its supported markets and minimum. Choose Zoya if you already have a broker and need a fast halal screening tool.
What this comparison answers
This query mixes two different jobs: Wahed is a managed investing platform, while Zoya is a screening app for users who usually invest somewhere else.
How we evaluated this comparison
Search intent
We identify the job behind the query first: choosing a provider, choosing a workflow, or understanding whether two products are even comparable.
Provider data
We compare structured records for Wahed Invest, Zoya, including category, score, market list, fees, minimums, features, and Shariah disclosure fields.
Shariah workflow
We separate platform availability from halal suitability. The page checks whether the provider helps with screening, certification, purification, or portfolio construction.
User risk
We flag cases where account country, minimum deposit, product type, leverage, staking, lending, or fee structure can change the practical recommendation.
We do not rely on affiliate availability to choose a winner. The comparison starts with user intent, then checks platform category, market access, minimums, fees, Shariah disclosure, and practical workflow fit.
Side-by-side comparison
We start with the practical decision factors readers usually check first: product job, market access, minimums, cost model, Shariah signal, strengths, and watch-outs.
| Criterion | Wahed Invest | Zoya |
|---|---|---|
| Primary job | Stocks & ETFs: Halal investing made simple | Stocks & ETFs: Halal investing for everyone |
| Markets | United States, United Kingdom, Malaysia, United Arab Emirates | United States, United Kingdom, Canada |
| Minimum deposit | $100 | N/A |
| Fee model | percentage: Management fee: 0.99% per year; No trading commissions | free: Completely free; No hidden fees |
| Shariah signal | Certified by AAOIFI, Shariyah Review Bureau | Certified by AAOIFI |
| Strengths | Easy to use for beginners; Strong Shariah compliance; Good customer support | 100% free to use; AAOIFI-compliant screening; Simple mobile app |
| Watch outs | Limited investment options compared to conventional brokers; Higher fees than some competitors; No options or futures trading | Review country availability, total cost, product restrictions, and Shariah documentation before committing. |
Minimum
Wahed $100 vs Zoya N/A
Zoya is not an investing account in this dataset, so the deposit comparison is not like-for-like.
Markets listed
Wahed 4 vs Zoya 3
Country access should be checked before comparing features.
Primary job
Portfolio vs screener
The biggest difference is not rating; it is the product category.
Read review
Stocks & ETFs
Zoya
Halal investing for everyone
Overall score4.7
Minimum depositN/A
Markets listed3
Decision Notes
Wahed Invest fits users who want managed portfolios. Zoya fits users who already have a broker and need a cleaner screening workflow.
Editorial research notes
- This is not a like-for-like product comparison; it is a workflow comparison.
- Wahed helps with portfolio construction, while Zoya helps decide whether individual stocks pass a screening process.
- A user may reasonably use both: Wahed for managed allocation and Zoya for self-directed stock checks.
Choose Wahed Invest if...
Wahed Invest is a better fit when your main need is stocks & etfs, the listed minimum deposit of $100 fits your starting amount, and you want a stronger visible Shariah signal. The practical question is whether its supported markets, product structure, and fee model match how you actually plan to invest.
Skip Wahed Invest if...
Skip or delay Wahed Invest if the $100 listed minimum does not fit your starting amount, your country is not among the 4 listed markets, or you cannot verify the current certificate scope on the provider's own materials. Also avoid using any platform feature that introduces leverage, interest, lending, or unclear product exposure unless you have reviewed it separately.
Choose Zoya if...
Zoya is a better fit when your main need is stocks & etfs, minimum deposit is not the main filter, and you want a stronger visible Shariah signal. The practical question is whether its supported markets, product structure, and fee model match how you actually plan to invest.
Skip Zoya if...
Skip or delay Zoya if you need a clearly stated account minimum before comparing providers, your country is not among the 3 listed markets, or you cannot verify the current certificate scope on the provider's own materials. Also avoid using any platform feature that introduces leverage, interest, lending, or unclear product exposure unless you have reviewed it separately.
Best choice by situation
Hands-off investing
Wahed InvestBuilt around managed portfolios and automated allocation.
Checking a stock before buying
ZoyaA cleaner fit for fast stock screening.
Using both together
BothManaged investing and self-directed screening solve different problems.
How to choose between them
Primary job
Primary job matters because it changes the actual investor experience, not just the marketing label. Compare how each platform handles this point in account setup, product selection, ongoing monitoring, and exit or transfer steps.
Portfolio automation
Separate managed allocation from research tooling. Some platforms help build or manage a portfolio; others only help decide whether a stock, fund, or product belongs in a separate brokerage account.
Stock screening
The key question is how much of the halal workflow is handled by the platform itself. Check whether screening rules, scholar oversight, holdings review, dividend purification, and update frequency are clearly documented.
Best user type
Compare the daily workflow: search speed, portfolio import, alerts, mobile experience, reporting, support, and how easy it is to repeat the same review process before every investment decision.
Shariah and risk notes
Wahed Invest
All investments are screened according to AAOIFI standards The platform has a positive certification signal in the directory, but users should still confirm the current certificate, scope, and product coverage.
Zoya
The directory does not treat platform availability as a halal ruling. Investors should review holdings, product terms, leverage, interest exposure, purification needs, and local guidance. The platform has a positive certification signal in the directory, but users should still confirm the current certificate, scope, and product coverage.
FAQ
Which is better in Wahed Invest vs Zoya?
There is no single winner for every investor. Wahed Invest may be better for one use case, while Zoya may be better when country access, fees, account type, or Shariah documentation matter more.
Should I choose only by overall score?
No. The score is a starting point. A lower-scored platform can still be the better choice if it supports your country, account type, minimum deposit, product category, and halal review workflow.
Does being listed here mean the platform is halal for every user?
No. Platform listings are research aids, not religious rulings. Investors still need to verify the exact product, holdings, financing structure, fees, and any Shariah certificate or methodology that applies to their situation.
Sources and review process
This comparison is based on the platform records maintained by the HalalInvestGuide research desk, including provider category, listed markets, fee fields, minimum deposit fields, Shariah disclosure fields, and review scoring. We do not treat a listing as a fatwa or personal financial advice.
Last checked for this page: 2026-05-24. We re-check comparison pages when a provider changes fees, market access, product scope, Shariah documentation, or minimums.
Cite this page: HalalInvestGuide Editorial Research Desk. "Wahed Invest vs Zoya." HalalInvestGuide, updated 2026-05-24.