Category
Halal banking
Sharia-screened accounts, cards, and investing apps.
11Live
| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Wahed | 7.3 | New York, United States | AUM fee on portfolios (live rate on site) | Conversion inside the portfolio, not a Wise clone | 300k+ | Investment adviser / manager — confirm the local entity | |
 Hayat Finans | 7.1 | Istanbul, Turkey | Fee-free banking is a homepage pitch — read the live product and service fees | Hayat FX — bank FX, not Wise | Türkiye digital participation bank | Digital participation bank — Hayat Finans Katılım Bankası A.Ş. Operating licence 23 March 2023 | |
 ruya | 7.1 | Ajman, United Arab Emirates | Business page: no hidden fees / no minimum balance pitch — confirm live tariff | Bank FX | UAE Islamic digital bank | Licensed bank — Ruya Community Islamic Bank LLC | |
 Bank Jago | 7.0 | Jakarta, Indonesia | Free-transfer pitch — confirm live | Not a travel bank | Digital-bank scale | Bank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU | |
 D360 Bank | 6.9 | Riyadh, Saudi Arabia | Confirm live — fees page on d360.com/en/services-fees | Bank FX | Saudi digital bank | Licensed digital bank — closed joint stock company | |
 meem | 6.8 | Dhahran / Riyadh, Saudi Arabia | Digital SKU — confirm live | Bank tariff | GIB digital | Digital brand of Gulf International Bank — Saudi Arabia. Not a separate SAMA digital-bank licence | |
 Vision Bank | 6.8 | Riyadh, Saudi Arabia | Confirm live on Fees & Charges | Bank FX | Saudi digital bank | Digital bank — Vision Bank Closed Joint Stock Company | |
 Kestrl | 6.7 | London, United Kingdom | Freemium / subscription SKUs — confirm live | Not the pitch | Tens of thousands | App + partner EMI/bank rails | |
 Be U | 6.7 | Kuala Lumpur, Malaysia | Islamic current / savings SKUs — confirm live | Not a travel card | Bank Islam digital | Digital brand of Bank Islam Malaysia Berhad — Islamic bank | |
 AEON Bank | 6.6 | Kuala Lumpur, Malaysia | Digital-bank SKU — confirm live | Not a travel card | Launch-era | Islamic digital bank | |
 Algbra | 6.5 | London, United Kingdom | Confirm live ethical-account tariff | Transparent-fee pitch — still a spread | UK ethical-fintech scale | Authorised EMI — Algbra FS UK Limited, FRN 952360 |