Not financial advice — always seek independent guidance Not FCA regulated — independent comparison platform Referral fees disclosed on every table Sharia certification shown per provider
For British Muslims

Halal finance,
finally simple.

Compare Sharia-compliant mortgages, car finance, savings and investments — all in one place. No riba. No confusion. No compromise.

Compare products Zakat calculator
Certified providers only Not financial advice Free to use UK focused
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What are you looking for?

Whether you're ready to compare or want to understand the basics first — pick what fits where you are.

🏡
Buying a home

Buy a house, the halal way

From saving a deposit to choosing between Islamic mortgage structures — the full walkthrough.
Read the guide → Compare providers →
📈
Growing your money

Save and invest, Sharia-compliant

Savings accounts, ISAs, and investment platforms compared — certified providers only.
Read the guide → Compare providers →
🏖️
Planning ahead

Pensions, Zakat & long-term planning

Switch to a halal pension and understand your Zakat obligations on investments and savings.
Read the guide → Compare providers →
📖
Understanding the basics

New to Islamic finance?

Murabaha, Ijarah, Diminishing Musharakah — the core contracts explained in plain English.
Read the guide → Compare providers →
20+ halal providers listed
6 product categories
2.5% Zakat rate calculated live
Side by side

Compare halal providers

Lowest Rate
Ayan Finance
UK Islamic car finance specialist
★ MHM Pick
Ijarah
7.9%
from (rep. ~11.9%)
Min finance
On application
Max term
60 months
Certification
Sharia Board ✓
Sharia Board certified Apply →
Halal Cars UK
AAOIFI certified specialist
Murabaha
Quote
based
Min finance
N/A
Max term
60 months
Certification
AAOIFI ✓
AAOIFI certified Apply →
Al Rayan Bank
UK's oldest Islamic bank
Ijarah ⚠️ Verify availability
Quote
based
Min finance
On application
Max term
48 months
Certification
SSB ✓
SSB certified Apply →
⚠️ Rates change frequently. Always verify directly with the provider before applying. MyHalalMoney earns a referral fee if you apply via our links — this never affects which providers are listed or ranked. ✓ Verified August 2026
See exactly what we checked and when
Read our full halal car finance guide
ℹ️ Note: Al Rayan Bank no longer offers new home purchase plans. Gatehouse Bank and StrideUp are the main active UK providers.
Gatehouse Bank
Home Finance
★ MHM Pick
Diminishing Musharakah
5%
min deposit
Max LTV
95%
Certification
Sharia Board ✓
Rate
From 5.68%
Sharia Board certified Apply →
StrideUp
Islamic mortgage specialist
Diminishing Musharakah
10%
min deposit
Max LTV
90%
Certification
Amanah Advisors ✓
Rate
Verify direct
Amanah Advisors certified Apply →
KFH UK
Kuwait Finance House UK
Ijarah
20%
min deposit
Max LTV
80%
Certification
Verified ✓
Rate
Verify direct
Verified Sharia compliant Apply →
⚠️ Rates and terms change frequently. Always verify directly with the provider before applying. ✓ Verified August 2026
See exactly what we checked and when
🏦 These profit rates move with the Bank of England base rate — currently 3.75%, next decision 17 Sep 2026.
Read our full Islamic mortgage guide
Gatehouse Bank
Easy Access Savings
Mudarabah
2.95%
EPR easy access
Access
Easy access
Min deposit
£1
Certification
Sharia Board ✓
Sharia Board certified Apply →
Al Rayan Bank
Fixed Term Deposit
★ MHM Pick
Mudarabah
4.25–4.70%
by term
Term
12–36 months
Min deposit
£10,000
Certification
SSB ✓
SSB certified Apply →
Wahed Invest
Halal Cash Account
Wakala
Verify
rate unconfirmed
Access
Easy access
Min deposit
£50
Certification
Certified ✓
Certified Halal Apply →
⚠️ EPR = Expected Profit Rate — not guaranteed interest. Rates vary. Verify directly with provider. ✓ Verified August 2026
See exactly what we checked and when
🏦 Expected Profit Rates track the Bank of England base rate — currently 3.75%, next decision 17 Sep 2026.
Read our full halal savings guide
Al Rayan Bank
Everyday current account
★ MHM Pick
£0
fee (min £2,500 bal.)
Min Balance
£2,500
Overdraft
None
Certification
SSB ✓
SSB certified Apply →
Kestrl
Halal finance app (not a bank)
£0
monthly fee
Overdraft
None
Features
Halal insights
Certification
Verified ✓
Verified Halal Apply →
⚠️ Always verify directly with the provider before applying. ✓ Verified August 2026
See exactly what we checked and when
Read our full halal current accounts guide
Wahed Invest
Halal robo-advisor
★ MHM Pick
Stocks + Sukuk
1%
pa (min £2.99/mo)
Min invest
£50
Annual fee
1% (min £2.99/mo)
Certification
AAOIFI ✓
AAOIFI certified Invest →
Simply Ethical
Managed portfolios & ISA
Stocks + Funds + ETFs
Verify
from (+ advisory)
Min invest
£1,000
Annual fee
Verify direct
Certification
Sharia ✓
Sharia Certified Invest →
Cur8 Capital
Alternative investments
Private equity
Varies
per investment
Min invest
£5,000
Annual fee
Varies
Certification
Sharia Board ✓
Sharia Board certified Invest →
Zoya
Stock screener app
Stock screening
Free
/ £9.99 pm pro
Type
Screener tool
Annual fee
£0–£9.99/mo
Certification
Scholar reviewed ✓
Scholar reviewed Visit →
⚠️ Investing carries risk. Capital at risk. Always verify directly with provider before investing. ✓ Verified August 2026
See exactly what we checked and when
Read our full halal investment platforms guide
Nest Sharia Fund
Workplace pension
★ MHM Pick
Workplace
0.3%
AMC + contributions
Type
Workplace
Total fee
1.8% + 0.3%
Certification
HSBC SSB ✓
HSBC SSB certified Switch →
PensionBee Shariah
Pension consolidation SIPP
SIPP
0.95%
annual fee
Type
SIPP
Annual fee
0.95%
Certification
HSBC SSB ✓
HSBC SSB certified Apply →
Wahed Invest
Managed multi-asset SIPP
SIPP
1%
annual fee
Type
SIPP
Annual fee
1% (min £2.99/mo)
Certification
SRB ✓
Shariah Review Bureau Apply →
⚠️ Fees change frequently. Always verify directly with the provider. MyHalalMoney may earn referral fees — never affects editorial independence. ✓ Verified August 2026
See exactly what we checked and when
Read our full halal pension guide
Obligatory giving

Zakat calculator

A multi-step guide through your zakatable wealth. Live nisab values in pounds, updated automatically.

1
Liquid assets
2
Investments
3
Deductions
4
Your Zakat
Live Nisab threshold:
Loading…
Gold nisab (87.48g)
Loading…
Silver nisab (612.36g) — most scholars use this
Fetching live prices…
Liquid assets
Enter your cash, savings and physical gold/silver. These are the most common zakatable assets.
£
£
💡 Lunar year (hawl): Assets must have been in your possession for a full Islamic lunar year (354 days) before Zakat is due on them.
Investments & business
Include shares, ISA holdings, business stock, and any money owed to you that is likely to be repaid.
£
£
£
💡 Pensions & property: Generally not zakatable while inaccessible. Consult a scholar for pensions you can draw. Rental income may be zakatable as business income.
Deductions
Deduct debts that are currently due. Only immediate debts (e.g. this month's rent, bills) are generally deductible — not long-term mortgages.
£
💡 Scholars differ on mortgage deductibility. Most say only the monthly instalment due now, not the full outstanding balance, is deductible. For complex cases consult a qualified scholar.
Your Zakat due (2.5%)
£0.00
Complete the steps to see your Zakat.

This calculator is a guide only. For complex situations — pensions, business structures, property, joint assets — consult a qualified Islamic scholar or your local mosque.

All calculators →
Transparent by design

How MyHalalMoney works

01
We list certified products only
Every provider here holds a recognised Sharia certification from a qualified scholar or Sharia Supervisory Board. We show you exactly who certified it — you decide if you trust them.
02
We earn referral fees
If you click through and apply, we may earn a small fee from the provider. This is disclosed on every table and never influences which providers are listed or how they are ranked.
03
We are not scholars
MyHalalMoney does not issue fatwas or certify products. We aggregate and present existing certifications. For complex personal situations, always consult a qualified Islamic scholar.
04
We update regularly
Rates and terms change. We verify and update tables regularly — the last-verified date is shown on every comparison so you always know how fresh the data is.
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Who we are

About MyHalalMoney

MyHalalMoney was built for British Muslims who are tired of trawling through mainstream finance sites that weren't designed with them in mind. We are an independent comparison platform — not a bank, not a broker, and not a Sharia authority.

We research, list, and regularly verify halal financial products in the UK so you can make better-informed decisions. Every product we list carries a recognised Sharia certification — and we show you exactly where that certification comes from, so you can judge it for yourself.

How we work