How are my returns generated without interest?

Your funds are not loaned out for interest. Instead, they are invested in a Shariah-compliant ETF that uses an arbitrage strategy to buy and sell real assets. This generates returns from temporary price differences in the market, not from riba.

Can my principal go down?

The strategy is designed for capital stability, but it is still an investment product. Extreme market or counter-party events could reduce returns or, in rare cases, dent principal.

How fast can I withdraw?

You'll receive your funds a few days after making your withdrawal request.

Any fees or minimum balance?

Zero wrap fee. See wrap brochure for details.

Who certifies the account as Shariah-compliant?

Both our in-house scholars and an independent external Shariah board ensure compliance — our internal team conducts ongoing reviews, while the external board reviews periodically and issues formal certifications.

How often do I see my returns credited?

We update your balance daily, but any realized profit is credited quarterly, letting you track growth in real time while receiving any earnings every three months.

How is this different from a regular high-yield savings account?

A bank pays interest from lending and is FDIC insured; we earn profit from asset-backed trades, so returns stay halal. You still retain quick access to your funds while seeking a competitive return, minus the riba. As with any investment, risk is involved.

How do I get started?

Download the Wahed app, choose Everyday Shariah Account during the onboarding flow, complete KYC in about three minutes, and connect your bank for ACH transfers. You can fund the same day.

Everyday Shariah Account

A shariah compliant savings tool designed to help you reach your short-term goals. This investment account seeks potential returns on par with the nation's best high yield savings accounts*. Best of all, your savings grow on a riba-free foundation.

Start with $100 How it works

Built for you

The future of halal wealth, redefined

Budget-first planning

Set how much you can save monthly, and we'll show you exactly when you'll hit your financial goals.

Monthly saving$450

On track for your goal by Mar 2029

Dream big, save smart

Target your Hajj, home deposit, or education fund. We'll calculate the right monthly amount to get you there.

Hajj Home deposit Education fund Emergency fund

Watch your money grow

See exactly how much you earned yesterday, this week, this month. Daily transparency for complete peace of mind.

Yesterday

+ $1.24

This week

+ $8.65

This month

+ $37.10

Your money, your timeline

Withdraw your investments and any earned returns when you're ready. No penalties, no complications.

$1,000 + $45 $1,045

Keep it all, free from fees

Seriously, no hidden fees so you can keep all the returns and let your savings grow faster and greater.

0.0% Wrap Fee

*See wrap brochure for complete information on fees

Savings on autopilot

Set weekly or monthly deposits that happen automatically so you focus on living.

Every Friday$50

1st of the month$300

Step by step

Your money's journey to halal returns

Follow your savings through our transparent process from deposit to withdrawal.

Start with $100

Step 01

Deposit

Your money isn't turned into loans like at a bank. It's held by a custodian and placed directly into Shariah-compliant assets you own.

Step 02

Funds invested

Funds are invested in a halal ETF of real companies. Wahed pairs these stocks with a combination of buying transactions and fixed sale contracts to lock in a pre-agreed sale price, removing you from the riba system.

Step 03

Arbitrage strategy at work

Returns come from capturing price differences in the market through a disciplined stock-and-options approach. Real activity, not interest-based lending.

Step 04

Withdraw when you need it

Designed for savings you may need soon. Withdrawals typically complete in 2–3 business days while your money works halal in the meantime.

Shariah first

Your faith comes first, always

Every dollar is saved according to Islamic principles and overseen by expert Islamic finance scholars.

Asset backed & Shariah compliant

Your money is invested in real, Shariah-compliant assets via our arbitrage strategy, generating returns from market price differences, never interest-based loans.

Overseen by Shariah scholars

Reviewed and certified by Abrahamic Finance Inc. See the Shariah certificate here.

Screened, published, transparent

We minimize risk by strategically capturing temporary price gaps in Shariah-compliant stocks.

Savings aligned with your values

Open an Everyday Shariah Account with $100, riba-free.

Start investing