Sarwa Review 2026: The UAE Halal Robo-Advisor

Sarwa is a UAE-based digital investment platform that has become one of the most popular options for Muslim investors in the MENA region. Its halal portfolio offering makes it a compelling option for Gulf-based investors seeking Sharia-compliant wealth management.

What is Sarwa?

Sarwa is a DFSA-regulated digital investment platform headquartered in Dubai. It offers automated portfolio management in both conventional and halal configurations. The halal portfolio excludes financial sector stocks, invests in sukuk rather than bonds, and excludes companies with significant non-compliant revenue.

Fees

Sarwa charges 0.85% annually for portfolios under AED 50,000, dropping to 0.50% for larger portfolios. Additional ETF expense ratios average around 0.2%, making total costs roughly 0.7-1.05%.

Available Accounts

Sarwa offers individual investment accounts and retirement accounts. It does not currently offer Islamic bank-linked savings products, focusing purely on investment management.

Halal Portfolio Construction

The Sarwa halal portfolio uses Sharia-screened equity ETFs for equity exposure and sukuk for the fixed income component. The portfolio is globally diversified across US, international, and emerging market equities, all screened for compliance.

Best For

Sarwa is the strongest option for UAE-based and MENA-region Muslim investors who want a professionally managed halal portfolio with regulatory protection under DFSA oversight. For UK or US investors, Wahed Invest may be more accessible and cost-competitive.