Best Halal Finance Apps
UK 2026
Managing your money in a halal way used to mean limited options and clunky online banking. That's changed. Here are the best apps available to British Muslims in 2026 — for banking, investing, and saving.
Note: MyHalalMoney provides information only. We do not issue rulings on what is or isn't permissible. Always check the latest Sharia certification status directly with a provider before opening an account.
Halal banking apps
The UK's largest and most established Islamic bank. Al Rayan offers a mobile app for managing its Sharia-compliant current accounts and savings products. All products are certified by a Sharia supervisory board.
The app covers everyday banking, transfers, and account management. Not the slickest interface compared to challenger banks, but backed by full Sharia compliance.
Kestrl is a UK-based app built specifically for Muslim consumers. It helps you manage your money in line with Islamic principles — tracking your spending, flagging transactions from prohibited industries, and helping you make more conscious financial decisions.
Unlike conventional banking apps, Kestrl is designed with the Muslim community in mind from the ground up, making it a far more appropriate choice than using a standard challenger bank.
Important: Kestrl is an Electronic Money Institution (EMI), not a bank. Funds are held under e-money safeguarding rules and are not covered by the FSCS. Best used as a day-to-day spending account rather than a place to hold large sums.
Halal investing apps
Wahed is the most prominent dedicated halal investment platform in the UK. It offers fully Sharia-screened portfolios across different risk levels, overseen by a Sharia supervisory board including prominent scholars.
Wahed also offers a stocks and shares ISA — one of the most accessible halal ISAs in the UK. Minimum investment is low and the app is well designed.
Cur8 Capital is a UK-based halal alternative investment platform. Rather than offering standard managed portfolios, Cur8 provides access to individual deals in private equity, real estate, and Sukuk — asset classes normally out of reach for retail investors. Each deal is individually Sharia-certified. It is best suited to experienced investors looking to diversify beyond the stock market, not beginners looking for an everyday investing app.
Halal savings apps
Gatehouse Bank offers Sharia-compliant savings accounts with competitive profit rates. Their online banking portal lets you manage fixed-term and easy access savings accounts that pay profit share rather than interest. Note that Gatehouse is primarily an online savings platform — their mobile app experience is basic compared to fintech apps on this page.
Halal investing tools
Zoya is not an investment platform — it is the essential tool for any British Muslim who picks their own stocks. It screens individual companies for Sharia compliance, showing you whether a stock passes or fails and why, including revenue breakdown from impermissible activities and debt ratios. Use it before buying any individual stock on Trading 212, AJ Bell, or any other self-directed platform.
The free tier covers basic screening. The premium plan (£9.99/month or £74.99/year on the UK App Store) unlocks detailed breakdowns, purification calculations, and portfolio tracking.
What to look for in a halal finance app
Sharia supervisory board — any genuinely halal financial app should have independent Islamic scholars overseeing and certifying its products.
FCA regulation — all UK financial services providers must be regulated by the Financial Conduct Authority. Check the FCA register before using any platform.
FSCS protection — for savings and banking apps, check whether deposits are protected up to £120,000 by the Financial Services Compensation Scheme. Note: Electronic Money Institution (EMI) apps like Kestrl are not FSCS protected — funds are safeguarded under e-money rules but this is not the same as bank deposit protection.
Transparency on screening — for investment apps, the provider should be clear about how Sharia screening works and what it excludes.