Best halal robo-advisors in 2026: Shariah-compliant options compared

A halal robo-advisor, also called a Shariah-compliant or Islamic robo-advisor, builds and rebalances a portfolio for you using only assets allowed under Islamic law: screened stocks, sukuk (Islamic bonds that pay a share of income instead of interest) and gold. Only a few platforms offer one, and they differ on the point that matters most. Who signs off the portfolio as halal?

We read each provider's pricing pages, legal terms and Shariah disclosures in October 2026. Below are the five we would shortlist, what they cost and where you can open an account.

New to automated investing? Start with What is a robo-advisor?

The best halal robo-advisors in 2026

1. Wahed: best overall. The only fully Islamic platform on this list, available in the US, UK, UAE, Malaysia and more. From $100.
2. CUSP Wealth: best for starting small in the UAE. From $25 and 0.75% a year, with a Fatwa and a human advisor.
3. Sarwa: best for larger balances in the UAE, with sukuk and gold in the halal portfolio. From $500. New users get up to AED 3,000 with promo code RLLAA29D.
4. StashAway: best for Malaysia. No minimum and fees of 0.2% to 0.8% a year.
5. Wealthsimple: best for Canada. Fees of 0.4% to 0.5% a year and no minimum.

Wahed is the only one of the five that manages nothing but Shariah-compliant money. The others run a halal portfolio next to their conventional ones, so the certification behind that portfolio deserves a closer look.

Halal robo-advisors compared

Management fees exclude the cost of the funds inside each portfolio. Figures come from each provider's website, checked in October 2026.

How to check if a robo-advisor is really halal

The word halal on a homepage is a marketing claim until someone qualified stands behind it. Four checks take a few minutes.

1. Who certifies it? Look for a named Shariah board or advisory firm and a published fatwa or certificate. Wahed has its own Shariah Supervisory Board. CUSP Wealth holds a Fatwa from the board run by Amanie Advisors.
2. What does the regulator say? Some regulators grant a specific Islamic permission. In the UAE, Wahed is licensed as an Islamic Financial Business and CUSP Wealth has an Islamic Endorsement from the DFSA. Sarwa states on its own website that it does not hold one.
3. What is inside the portfolio? Expect screened stocks, sukuk and gold. Under the AAOIFI standard, a company fails if more than 5% of its revenue comes from activities like alcohol, gambling or conventional lending, or if its interest-bearing debt exceeds 30% of its market value. Other standards set slightly different limits, so two screeners can disagree on the same stock.
4. What happens to impure income? A screened company can still earn a little interest. Ask whether the platform purifies that income for you or tells you the amount so you can give it to charity.

Scholars differ on some details. For a personal ruling, ask one you trust.

The best halal robo-advisors reviewed

#1 Wahed

• Fees: 0.79% a year under $100,000 and 0.49% above in the US. 0.99% up to $250,000 in the UAE. 1% in the UK, with a minimum of £2.99 a month
• Minimum: $100 in the US, £50 in the UK
• Available in: US, UK, UAE, Malaysia, EU, Nigeria and South Africa, plus an international account
• Shariah oversight: its own Shariah Supervisory Board
• Regulation: SEC-registered adviser in the US, FCA in the UK, ADGM's FSRA in the UAE (as an Islamic Financial Business)

Wahed is the specialist. Every portfolio it runs is Shariah-compliant, it reports more than 450,000 users and it is the only provider on this list with regulated entities in both the US and the UK.

You choose one of six risk levels, from very conservative to very aggressive, and Wahed handles the allocation, rebalancing and screening. Portfolios mix Shariah-compliant global stocks, sukuk and other assets. Its legal terms exclude any company that earns more than 5% of its revenue from prohibited activities. In the UK you can hold the portfolio inside a Stocks and Shares ISA.

The price of that focus is cost. On smaller accounts Wahed charges 0.79% to 1% a year, up to twice Wealthsimple's rate. UK accounts below £3,588 pay a flat £2.99 a month instead of 1%, which works out at about 3.6% a year on £1,000.

Pros

✅ Fully Islamic platform with its own Shariah board
✅ Regulated in the US, the UK and the UAE
✅ Low minimums: $100 in the US and £50 in the UK
✅ ISA available in the UK

Cons

❌ Fees of 0.79% to 1% a year on smaller accounts
❌ The £2.99 monthly minimum in the UK weighs on small balances
❌ Fees and minimums change by country

#2 CUSP Wealth

• Fees: 0.75% a year for the managed portfolio. Buys are free and each sell trade costs $1.50
• Minimum: $25 to invest. Deposits start at about AED 100
• Available in: UAE
• Shariah oversight: Fatwa from the Shariah Supervisory Board run by Amanie Advisors. Screening by Zoya under the AAOIFI standard
• Regulation: DFSA (reference F011420), with an Islamic Endorsement

CUSP Wealth launched in the UAE in early 2026 and pairs an automated portfolio with human advisors. The first call is free. In the risk questionnaire you choose between a conventional and a Shariah-compliant portfolio, and you can switch later.

For such a young platform, the halal paperwork is complete. It holds a Fatwa and an Islamic Endorsement from the DFSA, uses Zoya for screening and publishes its screening rules. Your assets sit with Alpaca Securities, a US broker-dealer, with SIPC protection of up to $500,000 on eligible investments. That covers the failure of the broker, not market losses.

At 0.75% with no monthly minimum, it is the cheapest way on this list to start small in the UAE: about $7.50 a year on $1,000. Watch the smaller charges. Card deposits cost 2.95% plus AED 1 (UAE bank transfers are free) and only one withdrawal per quarter is free. After that each costs $2.50. CUSP's help centre also lists a 1% bonus on your first deposit, capped at $500, so check the current terms.

Pros

✅ Fatwa, DFSA Islamic Endorsement and published screening rules
✅ $25 minimum and no monthly minimum fee
✅ Human advisor included, in English and Arabic
✅ Uninvested cash can earn up to 2.5% a year in a Shariah-compliant structure

Cons

❌ Launched in 2026, so there is little track record
❌ UAE only
❌ $1.50 per sell trade and paid withdrawals after the first each quarter

#3 Sarwa

• Fees: 0.85% a year under $100,000, with a minimum of $7 a month. 0.70% from $100,000, 0.50% from $500,000 and 0.40% from $5 million
• Minimum: $500 for the halal portfolio
• Available in: UAE and many other countries. US citizens are not accepted
• Shariah oversight: at fund level only, through the BlackRock Islamic ETFs and the Franklin sukuk fund it buys
• Regulation: FSRA in ADGM (Category 3C). No Islamic Window endorsement

Sarwa has run a robo-advisor in the UAE since 2017 and offers halal portfolios next to its conventional, socially responsible and crypto ones. The halal version comes in seven risk levels and spreads your money across BlackRock's iShares Islamic equity ETFs, the Franklin Global Sukuk Fund and gold.

The weak spot is certification. The funds are certified by their own Shariah committees, but Sarwa says clients must seek independent advice on Sharia matters, and its website states that it holds no Islamic Window endorsement from the FSRA. If you want a fatwa that covers the whole service, Wahed and CUSP Wealth are the stronger picks.

Cost depends on your balance. The $7 monthly minimum adds up to $84 a year, or 8.4% of a $1,000 account, and the 0.85% rate only becomes your real cost above roughly $9,900. From $100,000 the fee drops to 0.70%, less than CUSP Wealth and Wahed charge in the UAE.

Want the full picture? Read our Sarwa review.

Pros

✅ Operating since 2017 and regulated by the FSRA
✅ Halal portfolio with stocks, sukuk and gold in seven risk levels
✅ Fee falls to 0.70% from $100,000
✅ Sign-up bonus of up to AED 3,000

Cons

❌ No Islamic endorsement and no Shariah board at platform level
❌ The $7 monthly minimum makes small accounts expensive
❌ $500 minimum

#4 StashAway (Malaysia)

• Fees: 0.2% to 0.8% a year, with a minimum of RM5 a month across your account
• Minimum: none
• Shariah oversight: Masryef Advisory, a Shariah adviser registered with the Securities Commission Malaysia
• Regulation: Securities Commission Malaysia

StashAway added its Shariah Global Portfolio in August 2025. It blends Shariah-compliant equity ETFs, sukuk and gold in four risk levels and costs the same as StashAway's other portfolios, with the rate falling as your balance grows.

StashAway also operates in Singapore, Hong Kong, Thailand and the UAE, but we could only confirm the Shariah portfolio on its Malaysian site. More on the platform in our StashAway review.

Pros

✅ No minimum and fees that fall to 0.2% on large balances
✅ Sukuk and gold alongside stocks

Cons

❌ Shariah portfolio confirmed for Malaysia only
❌ One halal portfolio inside a conventional platform

#5 Wealthsimple (Canada)

• Fees: 0.5% a year under CAD 100,000 and 0.4% above
• Minimum: none
• Shariah oversight: a Fund Fatwa for its Shariah ETF, with audits twice a year

Wealthsimple has offered a halal portfolio since 2017. It holds the Wealthsimple Shariah World Equity Index ETF (WSHR), gold and non-interest-bearing cash, in proportions that depend on your risk level. Every company in the ETF earns less than 5% of its income from prohibited activities, and the fund is reviewed every quarter.

The portfolio holds no sukuk, so it relies on stocks more than the others on this list.

Pros

✅ Lowest fee on this list for small balances
✅ ETF certified by Shariah scholars and audited twice a year

Cons

❌ No sukuk
❌ Canada only

Which halal robo-advisor should you choose?

Where you live decides most of it. In the US and the UK, Wahed is the regulated local option, from $100 or £50. In Malaysia, StashAway is the cheaper route and Wahed the fully Islamic one. In Canada, Wealthsimple charges 0.4% to 0.5%.

The UAE is the one market with a real choice. Pick Wahed if you want a platform that does nothing but Islamic investing. Pick CUSP Wealth if you are starting small or want a Fatwa and a human advisor for 0.75%. Pick Sarwa if you invest $100,000 or more, want sukuk and gold in the mix and are comfortable with screening at fund level.

Whichever you choose, read the Shariah documentation yourself before you fund the account.

Investing involves risk of loss. This article is general information, not financial or religious advice.

Frequently asked questions

Are robo-advisors halal?

A robo-advisor is only a tool that picks and rebalances investments. Conventional ones hold interest-paying bonds and unscreened stocks, which do not meet Shariah rules. Halal robo-advisors replace them with screened stocks, sukuk and gold under the supervision of Shariah scholars.

Is a halal robo-advisor the same as a Shariah-compliant or Islamic robo-advisor?

Yes. All three terms describe automated portfolios that follow Islamic investing rules. The term Islamic robo-advisor often means a platform that is fully Islamic, like Wahed, while others add a halal portfolio to a conventional service.

Is there a halal robo-advisor in the US and the UK?

Yes. Wahed is an SEC-registered investment adviser in the US and is authorised by the FCA in the UK. The US minimum is $100, with a fee of 0.79% a year under $100,000. In the UK the minimum is £50 and the fee is 1% a year or £2.99 a month, whichever is higher.

How much does a halal robo-advisor cost?

On this list, management fees run from 0.2% to 1% a year, plus the cost of the funds inside the portfolio. Check for monthly minimums too: Sarwa charges at least $7 a month, Wahed at least £2.99 in the UK and StashAway at least RM5.

Can I build a halal portfolio myself?

Yes. Shariah-screened ETFs such as the iShares MSCI World Islamic UCITS ETF, or Wahed's HLAL in the US, are sold by regular brokers. You save the management fee but handle the allocation, rebalancing and purification yourself.

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