EVERYDAY SHARIAH ACCOUNT (ESA)

Let your money do the hard work, you relax.

Save & earn up to 4.24 %* (USD) annually Completely Shariah compliant. No riba, no compromise, no lock-ins.

Start Saving Halal Today
*Earnings are in USD. The estimated quoted annual return is as of 31 August 2025 and it is a simplified projection after fees. Please be aware that this rate is not guaranteed and may vary over time. Click here for more details.

Stop Settling for Less Than You Deserve

Traditional savings give you 2-3% while charging you with riba. 
Islamic alternatives barely beat inflation. You deserve returns that can grow your wealth AND honor your faith—without the wait or worry.

4.24*
(USD)
%
P.A
WAHED
ESA
2.59
%
P.A
FIXED DEPOSITs
0.50
%
P.A
BASIC
SAVINGS
Disclaimer: Figures shown are for illustration purposes only. Wahed ESA projected return of 4.24% p.a. (USD) is based on estimates as of 31 August 2025, net of fees, and is not guaranteed. Returns may vary over time. Fixed Deposit and Islamic Savings rates are industry averages for comparison only and may differ across banks.

Savings, simplified.

No complex requirements, no strings attached.

Maintain RM10,000 minimum or lose your returns
Lock your money for 12 months or pay penalties
Deposit at least RM 5,000 to get better returns
Start with just RM50
‍

See your money grow from day one. No RM10,000 minimums like premium accounts, no waiting until you're 'wealthy enough' to earn decent returns.

Earn 4.24%* on
every ringgit

From RM50 to RM50,000 - 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 gives you 4.24%* (USD) returns with complete freedom. Save when you want, how much you want, withdraw whenever you need.

*For full disclaimer, click here.
*For illustration purposes only. For full disclaimer, click here.

Your Faith
Comes First, Always

Every ringgit is saved according to strict Islamic principles, overseen by leading Islamic finance scholars. Build wealth the way Allah intended—free from riba, gharar, and haram sectors.

Asset backed & Shariah Compliant

ESA invests in real stocks you actually own—with no debt, no speculation, and no stock lending—using a Shariah-compliant strategy designed to deliver stable, predictable returns. Learn more here.

Built-in Zakat calculation & reminders

Summary description of how assets backing the fund is selected. Learn more here.

Transparent investment methodology

Summary description of how assets backing the fund is selected. Learn more here.

KraneShares Wahed Short-term Alternative Income Index ETF (KWIN)
‍

The ESA is built on KWIN, a Wahed ETF designed to generate steady, Shariah-compliant returns. Instead of weathering the ups and downs of the stock market, the ESA follows a rules-based arbitrage strategy that seeks to earn returns from buying Shariah-compliant stocks and locking in fixed-sale contract to take advantage of price differentials.



The fund is listed in New York Stocks Exchange.

‍

Why is it the choice for savings?

Tired of choosing between growth and safety? Why not both. KWIN’s approach is to protect your capital while delivering steady growth, even during uncertain times.

Learn More on KWIN

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

RM 1,000
ESA
RM 1,220
RM 970

Disclaimer: Figures shown are for illustration purposes only. Wahed ESA projected return of over 4.24% p.a. (USD) is based on estimates as of 31 August 2025, after fees, and is not guaranteed. Actual returns may vary. Inflation rates are based on historical averages and may not reflect future conditions.

*For full disclaimer, click here.

Malaysia's average inflation rate has been 3.0% annually over the past decades1.

Your RM 1,000 today could buy a lot less goods than 10 years ago if sitting idly. Our 4% returns don't just grow your wealth—they protect it.

Learn how inflation affects your savings
Watch Video
YOU SAVE
RM 10,000
MONTHLY
YOU COULD EARN
+RM 1,00.00
MORE
ANNUALLY WITH
‍EVERYDAY
SHARIA
ACCOUNT

Disclaimer: Figures shown are for illustration purposes only. Actual returns may differ and are not guaranteed. Past performance is not indicative of future results.

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.

Dream Big, Save Smart

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

For illustration purposes only.

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 your savings and all earned returns instantly. No penalties, no waiting periods, no complications.

RM 1000
+RM 45
RM 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.

0.0% Wrap Fee

Save Without Thinking

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

up to
RM 100,000
by Capital Markets Compensation Fund Corporation (CMCF).

*from fraud, misappropriation or insolvency by a licensed capital market intermediary.

Start earning up to 4.24%*(USD) p.a on your savings

Open your account in minutes. Deposit RM50.
Watch your money grow free from riba

Start Saving Halal Today

*Earnings are in USD. The estimated quoted annual return is as of 31 August 2025 and it is a simplified projection after fees. Please be aware that this rate is not guaranteed and may vary over time.

Things to you’d want to know

To learn more about ESA, check out the full Frequently Asked Questions here.
What is ESA?
ESA stands for Everyday Shariah Account by Wahed. It is an alternative way to save backed by a low-risk fund (KWIN) that aims to provide stable returns suitable for short to medium term goals.
Why should I open a Wahed ESA?
One of the main benefits of saving with ESA is that your money can grow at a rate higher than inflation (thus preventing it from losing value), and outpace returns from typical savings products (fixed deposits, savings accounts, etc.).

Furthermore, it is Shariah-compliant, so there is no possibility of riba (interest).

Other benefits include:
  • No opening or maintenance fees
  • Ability to deposit and withdraw at any time
  • Daily returns that are easy to track via the app
How do I open and manage my Wahed ESA?
Opening and managing your Wahed ESA is easy. If you're a new user, you can simply select Wahed 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".
What risks are involved in investing in ESA?
ESA is structured as an investment and like any shariah compliant investments, returns are not fixed or guaranteed and are subject to market conditions.

Extreme market or counter-party events could reduce returns or, in rare cases, dent principal.

Having said that, ESA is considered to be one of the lowest risk investment product offered by Wahed and designed for capital stability.
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 transactional charges section under Product Disclosure Statement.
EARN UP TO
4.24%
YEARLY*
For full disclaimer, click here.
BRAND NEW
Everyday Shariah Account
Go everyday, riba free.