Compare Sharia-compliant car finance, mortgages, savings accounts and more — all in one place. No ribaInterest — strictly forbidden in Islam. All halal finance products are structured to avoid riba.. No confusion. No compromise.
Side by side
| Provider | Structure | Rep. APR equiv. | Min Finance | Max Term | Certification | Apply |
|---|---|---|---|---|---|---|
|
Ayan Finance
UK Islamic car finance specialist
|
IjarahA lease-to-own structure — the bank buys the asset, you pay rent to use it, and ownership transfers at the end. | ★ From 7.9% Rep. ~10.9% |
£5,000 | 60 months | Sharia Board ✓ | Apply → |
|
Islamic Finance Guru
Broker — multiple lenders
|
MurabahaA cost-plus sale — the bank buys the asset and sells it to you at a fixed pre-agreed profit. No interest involved. | Varies by lender | £3,000 | 60 months | Verified ✓ | Apply → |
|
Halal Cars UK
AAOIFIThe global Sharia standards body for Islamic finance — one of the most rigorous certifications available. certified specialist
|
MurabahaA cost-plus sale — the bank buys the asset and sells it to you at a fixed pre-agreed profit. No interest involved. | Quote-based | N/A | 60 months | AAOIFIThe global Sharia standards body for Islamic finance — one of the most rigorous certifications available. Certified ✓ | Apply → |
|
Al Rayan Bank
UK's oldest Islamic bank
|
IjarahA lease-to-own structure — the bank buys the asset, you pay rent to use it, and ownership transfers at the end. | Quote-based | £10,000 | 48 months | SSB Certified ✓ | Apply → |
⚠️ Rates and terms 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. ✓ Verified June 2026
ℹ️ Note: Al Rayan Bank no longer offers new home purchase plans to UK residents. Gatehouse Bank and StrideUp are the main active UK providers, with KFH UK also an option. Check directly with providers for current availability.
| Provider | Structure | Min Deposit | Max LTV | Certification | Apply |
|---|---|---|---|---|---|
|
Gatehouse Bank
Home Finance
|
Diminishing MusharakahA partnership contract where both parties contribute capital and share profits and losses proportionally.A co-ownership model used in Islamic mortgages — you gradually buy out the bank's share until you own the property fully. | 10% | 90% | Sharia Board ✓ | Apply → |
|
StrideUp
Islamic mortgage specialist
|
Diminishing MusharakahA partnership contract where both parties contribute capital and share profits and losses proportionally.A co-ownership model used in Islamic mortgages — you gradually buy out the bank's share until you own the property fully. | 10% | 90% | Amanah Advisors ✓ | Apply → |
|
KFH UK (Kuwait Finance House UK)
Islamic mortgage
|
IjarahA lease-to-own structure — the bank buys the asset, you pay rent to use it, and ownership transfers at the end. | 20% | 80% | Verified ✓ | Apply → |
⚠️ Rates and terms 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. ✓ Verified June 2026
| Provider | Account Type | Expected Profit | Term | Min Deposit | Certification | Apply |
|---|---|---|---|---|---|---|
|
Wahed Invest
Halal Cash Account
|
WakalaAn agency contract — the bank acts as your agent to invest funds on your behalf, charging a fixed fee instead of interest. | Verify directly — rate unconfirmed at time of update | Easy Access | £50 | Certified ✓ | Apply → |
|
Al Rayan Bank
Fixed Term Deposit
|
MudarabahA profit-sharing contract — one party provides capital, the other manages it. Profits are shared; losses fall on the capital provider. | Verify directly — rates change frequently | 12–24 months | £5,000 | SSB Certified ✓ | Apply → |
|
Gatehouse Bank
Easy Access
|
MudarabahA profit-sharing contract — one party provides capital, the other manages it. Profits are shared; losses fall on the capital provider. | ~2.95% EPRExpected Profit Rate — the halal equivalent of an interest rate, based on actual investment profits. | Easy Access | £1 | Sharia Board ✓ | Apply → |
⚠️ EPRExpected Profit Rate — the halal equivalent of an interest rate, based on actual investment profits. = Expected Profit Rate, not guaranteed interest. Rates vary. Always verify directly with the provider. ✓ Verified June 2026
| Provider | Monthly Fee | Overdraft | Features | Certification | Apply |
|---|---|---|---|---|---|
|
Al Rayan Bank
Everyday current account
|
£0 | None | Debit card, online banking | SSB Certified ✓ | Apply → |
|
Kestrl
Halal finance app (not a bank account)
|
£0 | None | Halal spending insights, budgeting — connects to your existing bank via Open Banking | Verified ✓ | Apply → |
⚠️ Always verify directly with the provider before applying. ✓ Verified June 2026
| Provider | Type | Min Investment | Annual Fee | Certification | Apply |
|---|---|---|---|---|---|
|
Wahed Invest
Robo-advisor
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Stocks + SukukIslamic bonds — asset-backed certificates that pay a profit rate instead of interest. | £50 | £2.99/month | AAOIFIThe global Sharia standards body for Islamic finance — one of the most rigorous certifications available. Certified ✓ | Apply → |
|
Cur8 Capital
Alternative investments
|
Private equity | £1,000 | Varies | Sharia Board ✓ | Apply → |
|
Simply Ethical
Managed portfolios & ISA
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Stocks + Funds + ETFs | £1,000 | 0.54–0.70% + advisory | Sharia Certified ✓ | Apply → |
|
Zoya
Stock screener
|
Stock screening | N/A | Free / £9.99pm | Scholar reviewed ✓ | Visit → |
⚠️ Investing carries risk. Capital at risk. Always verify directly with the provider. ✓ Verified June 2026
| Provider | Type | Annual Fee | Certification | Apply |
|---|---|---|---|---|
|
Nest Sharia Fund
Workplace pension
|
Workplace | 1.8% contribution + 0.3% AMC | HSBC SSB ✓ | Switch → |
|
PensionBee Shariah
Pension consolidation
|
SIPPSelf-Invested Personal Pension — a personal pension you control outside of any employer scheme. | 0.95% | HSBC SSB ✓ | Apply → |
|
Wahed Invest
Managed multi-asset
|
SIPPSelf-Invested Personal Pension — a personal pension you control outside of any employer scheme. | 1% (min £2.99/mo) | Shariah Review Bureau ✓ | Apply → |
|
Simply Ethical
Advised managed SIPP
|
SIPPSelf-Invested Personal Pension — a personal pension you control outside of any employer scheme. | ~0.54–0.70% | Sharia Certified ✓ | Apply → |
|
AJ Bell SIPP
DIY — HSBC Islamic Fund
|
SIPPSelf-Invested Personal Pension — a personal pension you control outside of any employer scheme. | 0.25% platform + ~0.30% fund | HSBC SSB ✓ | Apply → |
⚠️ Fees 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. ✓ Verified June 2026
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Everything you need to know about halal finance in the UK, explained clearly.
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This calculator is a guide only. For personal circumstances — business structures, pension funds, property — please consult a qualified Islamic scholar or your local mosque.
Who we are
MyHalalMoney was built for British Muslims who are tired of trawling through mainstream finance sites that weren't designed with them in mind.
We compare Sharia-compliant financial products across car finance, home purchase plans, savings accounts, current accounts and investments — all in one place. Every product listed carries a recognised Sharia certification, and we show you exactly who certified it.
We are not a bank, broker, or financial adviser. We are an independent comparison service, committed to transparency. We earn referral fees from providers when you click through and apply — this is disclosed on every table and never influences which products are listed.
MyHalalMoney is based in the UK and focused exclusively on the UK market.
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Not financial advice. MyHalalMoney is an information and comparison service only. Nothing on this website constitutes personal financial advice or a personal recommendation. You should always seek independent financial advice before making significant financial decisions.
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Referral fees. We may receive a referral fee from providers when you click through and apply. This is disclosed on every comparison table. Referral fees do not influence which providers are listed, how they are ranked, or the information we display.
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Sharia certification. MyHalalMoney does not issue fatwas or certify products ourselves. We aggregate and present existing certifications from recognised Sharia scholars and supervisory boards. For complex personal circumstances, always consult a qualified Islamic scholar.
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✓ Verified June 2026
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