EVERYDAY SHARIAH ACCOUNT (ESA)

Your new car, house or Hajj. Simplified.

Save & earn up to 4.3%* (USD) annually.
Shariah compliant. No riba, no compromise, no lock-ins.

Take Control of your Financial Future
* The returns mentioned are hypothetical-backtested returns of the underlying index fund which ESA tracks. Past performance is no guarantee of future results. The estimated quoted annual return is as of 30 October 2025. Click here for more details.

Beating the returns, without the Riba.

You saved for 5 years. Hit your goal. Bought the car. Then discovered your returns were haram. Don't let doubt steal your peace. Wahed gets you there faster, and keeps your conscience clear.

* The returns mentioned are hypothetical-backtested returns of the underlying index fund which ESA tracks. Past performance is no guarantee of future results. The estimated quoted annual return is as of 30 October 2025 net of fees and is not guaranteed. Click here for more details.

Fixed Deposit savings rates are industry averages for comparison only and may differ across banks.

No Hurdles

Deposit, and start earning. That's it.

Maintaining a minimum
No Lock In Periods
Same returns, no matter the amount
Shariah Compliant

Reviewed by Shariah experts. See our Fatwa here.

Earn 4.3%* on every dollar.

Every cent earns the same rate. No balance requirements, no tier systems, no punishment for withdrawals.

No lock-ins, 
no complex terms

While other savings products trap you with conditions, ESA could give you 4.29%* returns with complete freedom. Invest when you want, how much you want, withdraw whenever you need.

* The returns mentioned are hypothetical-backtested returns of the underlying index fund which ESA tracks. Past performance is no guarantee of future results. The estimated quoted annual return is as of 30 October 2025 net of fees and is not guaranteed. Click here for more details.

Potentially Earn 4.3% *

EVERYDAY
SHARIAH
ACCOUNT

✓ Zero Fees
✓ Shariah Compliant

Take Control of your Financial Future

Don't Just Save,
Increase Your Spending Power Too.

* The returns mentioned are hypothetical-backtested returns of the underlying index fund which ESA tracks. Past performance is no guarantee of future results. The estimated quoted annual return is as of 30 October 2025 net of fees and is not guaranteed. Click here for more details.

Inflation rates are based on historical averages and may not reflect future conditions. Source: https://www.bls.gov/news.release/cpi.nr0.htm.

Your $1,000 today could buy a lot less than 10 years ago. With potential returns of 4.3%* don't just grow your wealth, protect it.

Start Saving Halal Today
KraneShares Wahed Short-term Alternative Income Index ETF (KWIN)
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The ESA is designed to generate steady alternative income.  ESA will invest in KWIN, a new ETF, sub-advised by Wahed Invest LLC. KWIN follows a rules-based approach that pairs Shariah-compliant U.S. equities with structured forward sale contracts. KWIN seeks to provide exposure consistent with Shariah principles.

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The fund is listed on the New York Stock Exchange.

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Learn More about KWIN

Why ESA is the choice for savings

Tired of choosing between growth and stability? Why not both.ESA's approach is to reduce market swings while delivering steady growth, even during uncertain times.

The Future of Halal Wealth, Redefined

Watch Your Money Grow

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

Your Money, Your Timeline

Withdraw at any time. No penalties, no waiting periods, no complications.

$1,000
+$45
 $1,045

For illustration purposes only.

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.

No Fees

Save Without Thinking

Set weekly or monthly deposits. Build wealth consistently while you focus on life.

Start earning 4.3%* yearly on your savings

Open your account in minutes. 
Watch your money grow free from riba.*

Start Saving Halal Today

Frequently Asked Questions

Learn more about the ESA.
What is ESA?
ESA stands for Everyday Shariah Account by Wahed. It is an alternative way to invest. that aims to generate consistent and competitive returns from investments in Shari’ah-compliant assets.
What are the fees for ESA?
There are no Wrap Fees (annual management fee) charged on your ESA so your money can grow freely. However, please note that transactional charges still apply. Kindly refer to the Fees section under Client Service Agreement available here.
What risks are involved in investing in ESA?
ESA is structured as an investment and like any Shariah-compliant investment, returns are not fixed or guaranteed and are subject to market conditions. Extreme market or counter-party events could reduce returns or, in some cases, erode principal. Having said that, ESA is considered to be one of the lowest risk investment products offered by Wahed and designed for capital stability. For more details on risk associated with ESA please refer to the Client Service Agreement on specific risks of the product section.
Why should I open a Wahed ESA?
One of the main benefits of opening a Wahed ESA is that you’re potentially able to grow your money at a rate higher than inflation (to stop your money from losing value) and higher than typical savings products (Fixed deposits, Savings accounts etc). The ESA is also Shariah-compliant and therefore avoids for Riba/interest. Other benefits include:
  • No opening or maintenance fees
  • Deposit & withdraw anytime
  • Easy to track daily returns on the app
How do I open and manage my Wahed ESA?
Opening and managing your ESA is easy. If you're a new user, you can simply select ESA during the product selection step of your onboarding. If you're an existing customer, you can open a new ESA directly from your dashboard by choosing the "First ESA Account".
EARN UP TO
4.3%
YEARLY*
For full disclaimer, click here.
BRAND NEW
Everyday Shariah Account
Go everyday, riba free.