Product · Profit-Sharing Savings

Savings that grow on real returns.

Through mudaraba, your money is invested in Shariah-compliant assets and you receive a share of the genuine profit generated — never interest.

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What It Is

A different relationship with your savings.

A conventional savings account pays fixed interest regardless of how your money is used — that's riba. Mudaraba shares the real profit your money helps generate. Honest, variable, and fully halal.

Profit sharing savingsProfit-Sharing Savings
How Mudaraba Works

From deposit to profit share

01

You deposit

You provide the capital (rabb al-mal).

02

We invest

Funds go into Shariah-compliant assets (mudarib).

03

Profit is made

Real returns are generated from genuine activity.

04

You share it

Profit is split by a pre-agreed ratio.

At a Glance

Mudaraba, visualised

Mudaraba profit-sharing infographic: you provide capital, we invest it in Shariah-compliant assets, real profit is generated, and profit is shared by a pre-agreed ratio.

Key features

  • Mudaraba profit-sharing model
  • Halal Cash ISA structure (UK)
  • Goal-based savings pots
  • No hidden fees, ever
  • Full transparency on where funds are deployed
Why It Matters

Returns tied to reality

Because your return reflects genuine performance rather than a guaranteed rate, it's both permissible and honest. You share in the outcome your money actually produced.

Read: What is Mudaraba?
Why It's Different

Saving without a whiff of riba.

01

No Fixed Interest

You earn a share of real profit from Shariah-compliant deployment, never a pre-set interest rate on your balance.

02

Shared Outcome

Capital provider and manager agree a profit ratio upfront, so both sides share in how the money actually performs.

03

Transparent Deployment

You can see where your savings are put to work, with no hidden fees eroding the return.

In the App

Savings that share in real profit

Open a Mudaraba pot, watch it grow from genuine asset-backed returns, and withdraw anytime — never a fixed interest rate.

Rizq app savings pot

Be first when this launches.

Join the founding community and get priority access.

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