Sarwa profile
Sarwa is a digital investment platform offering halal investment portfolios for investors in the UAE and Middle East.
Sarwa in a nutshell
Based on platform data, fee notes, Shariah information, and category fit.
Visit SarwaEditorial view
HalalInvestGuide platform research
Sarwa stands out when its feature set matches the reader's real workflow. The strongest reason to consider it is halal investment portfolios, while the main check is whether the pricing tier and country availability fit before relying on it as a long-term tool.
What people should know about Sarwa
Strengths
- Halal investment portfolios
- Low minimum investment
- Automated investing
Common concerns
- Advanced features may require a paid tier
- Certification details should be checked before investing
- Country availability can limit account access
Platform facts
Sarwa facts that decide the choice
Review the account type, pricing, country fit, Shariah signal, and signup checks before clicking through. The final terms can still change by country, entity, product, and account type.
| Decision field | Visible fact | How to use it |
|---|---|---|
| Main use | Halal investment portfolios | Decide whether this is the right tool type before comparing price or rating. |
| Countries listed | United Arab Emirates, Bahrain, Saudi Arabia | Confirm live account access, product eligibility, and local restrictions on the provider site. |
| Pricing | 0.4% to 0.85% annually | Check the current pricing page before subscribing, depositing, or opening an account. |
| Shariah signal | BlackRock Islamic ETFs, Franklin Global Sukuk Fund, Third-party Shariah screening | Use the provider's current methodology, certificate, fatwa, or official documents before relying on the profile. |
| Open checks | Confirm current portfolio holdings and fund-level Shariah documents before investing. | Do not choose only from the score; verify the exact product and country version you will use. |
Official sources
What we could verify for Sarwa
Sarwa has good official evidence for fees, minimum investment, regulation, and halal portfolio construction. The Shariah claim needs careful wording because Sarwa also discloses that it does not hold an FSRA Islamic Window endorsement.
Checked Jul 18, 2026
What this supports
- Sarwa Invest fees range from 0.4% to 0.85% annually, with a monthly minimum charge disclosed by Sarwa.
- Sarwa's help center lists a 500 USD minimum for Halal Portfolios.
- Sarwa describes Halal Portfolios as using BlackRock Islamic ETFs and Franklin Global Sukuk Fund.
- Sarwa Digital Wealth (Capital) Limited states it is regulated by the FSRA in ADGM.
- Sarwa's own disclaimer says clients should do their own due diligence and that Sarwa does not hold an FSRA Islamic Window endorsement.
Still verify
- Confirm current portfolio holdings and fund-level Shariah documents before investing.
- Check whether the reader is eligible by residency, tax status, and local rules.
- Do not present Sarwa as holding a regulator-issued Islamic Window endorsement unless that changes in official disclosures.
Official source links
Official, regulator, help-center, or disclosure pages
Supports Invest, Trade, Save fees and FSRA/ADGM disclosure language.
Supports tiered annual management fees and monthly minimum-charge details.
Supports 500 USD minimum for Halal Portfolios.
Supports halal portfolio description and fund-type caveats.
Supports FSRA/ADGM entity disclosure and Islamic Window caveat.
Use this section as a starting point, not as investment advice, insurance advice, legal advice, tax advice, or a religious ruling.
Quick verdict
Is Sarwa a good fit?
Sarwa is best for Muslim investors who need halal investment portfolios. It may be less ideal if its country availability, pricing, product type, or public Shariah documentation does not match the account you actually need.
Best for
- Halal investment portfolios
- Low minimum investment
- Users in United Arab Emirates, Bahrain, Saudi Arabia
Not ideal for
- Users who cannot confirm country access
- Users who need a fatwa or personal financial advice
- Users who do not want to review provider terms and fees
Score breakdown
Official pages
Country availability
| Market | Listed status | Check before using |
|---|---|---|
| United Arab Emirates | Listed in directory | Confirm account access, fees, funding, and product scope. |
| Bahrain | Listed in directory | Confirm account access, fees, funding, and product scope. |
| Saudi Arabia | Listed in directory | Confirm account access, fees, funding, and product scope. |
Shariah documentation status
Sarwa lists Shariah documentation or certification signals from BlackRock Islamic ETFs, Franklin Global Sukuk Fund, Third-party Shariah screening. Verify the current certificate scope, methodology, and product coverage before relying on it.
Alternatives to Sarwa
Affiliate and advice disclosure
HalalInvestGuide may earn a commission when you visit a provider through our links. Forex and CFD referrals can pay higher commissions than many other categories, but reviews and rankings are still based on platform fit, fees, access, risk disclosure, and Shariah transparency. This content is for informational purposes only and is not investment advice, tax advice, legal advice, or a religious ruling. If you find outdated provider information, contact us so we can review and update the page.
Sarwa fees and pricing
Subscription, minimum deposit, and cost transparency
| Fee item | Current account detail | Decision point |
|---|---|---|
| Pricing model | percentage | Check whether this is free, subscription, percentage, or mixed. |
| Headline price | 0.4% to 0.85% annually | Confirm current pricing on the platform before subscribing. |
| Minimum deposit | $500 | Screening tools may not require a brokerage deposit. |
| Plan detail | Invest management fee ranges from 0.4% to 0.85% per year | Review feature access and renewal terms. |
| Plan detail | Monthly minimum charge may apply | Review feature access and renewal terms. |
| Plan detail | Minimum for Halal Portfolios is listed as USD 500 | Review feature access and renewal terms. |
Pros
- Pricing is clear enough to compare against alternatives
- Useful for readers who need dedicated halal research tools
Cons
- Premium tiers can matter if advanced screening is required
- Brokerage and screening costs need a separate check
Is Sarwa safe and Shariah-transparent?
Certification, methodology, and reader confidence
Pros
- Sarwa describes Halal Portfolios as built with Islamic funds and third-party screening. Sarwa also discloses that it does not hold an FSRA Islamic Window endorsement, so fund-level documents should be checked.
- Country availability is listed before account research
- Compliance score is separated from fees and usability
Cons
- Verify current certification documents before relying on the review
- Screening standards can vary between platforms
Sarwa platform and tools
Screening workflow, portfolio features, and everyday usability
Sarwa is a digital investment platform offering halal investment portfolios for investors in the UAE and Middle East.
Halal investment portfolios
Core featureUseful for tracking holdings over time, especially when ongoing compliance and allocation review matter.
Low minimum investment
Useful dailyA useful part of the platform profile, but readers should compare the feature depth against alternatives before choosing.
Automated investing
IncludedA useful part of the platform profile, but readers should compare the feature depth against alternatives before choosing.
UAE-regulated
IncludedA useful part of the platform profile, but readers should compare the feature depth against alternatives before choosing.
Mobile app
IncludedA useful part of the platform profile, but readers should compare the feature depth against alternatives before choosing.
Sarwa account opening and availability
Countries, onboarding, and first checks
The UAE is a major financial hub in the Middle East with strong Islamic finance infrastructure.
Bahrain is a major Islamic finance hub in the Gulf region.
Saudi Arabia is the birthplace of Islam and a major player in Islamic finance.
Sarwa products and halal investing fit
What the platform is strongest for
Sarwa is best evaluated as a mutual funds platform first. Use the review to compare its Shariah process, feature depth, pricing, and country access against other platforms in the same category.
Exness alternatives
Compare brokers by account terms, not by brand familiarity
| Broker | Why compare it with Exness | Fields to compare | Next page |
|---|---|---|---|
| XM, IC Markets, Pepperstone, AvaTrade | Use mainstream Islamic-account brokers as comparison points. | Compare account type, spread, commission, funding and legal entity. | Reviews pending |
Related reading
Sarwa comparisons and halal investing guides
Use these pages to compare Sarwa with nearby alternatives and understand the halal investing topics that come up before choosing a platform.
Platform comparisons
Guides connected to this review
Learn how to invest in halal stocks with our comprehensive guide.
Compare the best halal-friendly brokers.
Learn how to calculate zakat on stocks.
Compare ETFs and individual stocks.
Compare free and paid screeners.
Learn dividend purification.
Frequently Asked Questions
Is Sarwa halal?+
Sarwa lists Shariah certification or screening documentation. Check the current methodology, covered assets, and any purification guidance before investing.
What is Sarwa best for?+
Sarwa is best evaluated as a Mutual Funds platform. Its strongest listed features include Halal investment portfolios, Low minimum investment, Automated investing.
Who should consider Sarwa?+
Sarwa is most relevant when you need halal investment portfolios. It is less suitable if the platform's country availability, pricing tier, or supported products do not match the account you actually need.
How much does Sarwa cost?+
Sarwa uses a percentage pricing model with 0.4% to 0.85% annually listed as the headline price. Check the current plan limits, renewal terms, and whether advanced features require a paid tier.
Does Sarwa have a free plan?+
Sarwa does not clearly list a full free plan in this catalog entry. Review its current pricing page before signing up.
How does Sarwa compare with Wahed Invest?+
Sarwa scores 4.6 overall, while Wahed Invest scores 4.6 in this catalog. Compare Shariah documentation, pricing, country availability, and the main workflow before choosing between them.
Is there a Sarwa vs Wahed Invest guide?+
Yes. The related comparison section links to Sarwa vs Wahed Invest, which is the most relevant head-to-head guide connected to this platform.
Where is Sarwa available?+
Sarwa is listed for 3 markets in this catalog. Country availability can change, so confirm account access before signing up.
Does Sarwa help with dividend purification or zakat?+
Sarwa does not list purification or zakat as a primary feature in this catalog entry. You may need a separate calculator or guide for those obligations.
Can Sarwa replace a broker?+
Judge Sarwa by its actual product role. Some halal platforms are brokers or managed investing apps, while others are screeners or research tools. Check whether Sarwa lets users invest directly or mainly helps evaluate investments.
Does Sarwa replace financial advice?+
Sarwa can help with research, screening, or platform access, but it does not remove investment risk. Consider your own circumstances and consult qualified professionals where needed.