Islamic banking is a financial system based on the principles of Islamic law (Sharia).Unlike traditional banking, Islamic banking prohibits charging interest (riba), speculation and investing in prohibited (haram) industries - such as alcohol, gambling or weapons.

In Islamic banking, you do not earn interest. Instead, when you entrust your funds to the bank, your money is invested in real, ethical projects. We act as your agent under a Wakala agreement: we manage your funds on your behalf in strict accordance with Shariah principles.

Your return is generated not from interest, but as a result of investment activity.

Yes, you can use our products regardless of your religion.

Islamic banking is not about the client’s faith — it’s about principles: honesty, transparency, and respect. We do not charge interest (riba), we avoid hidden conditions, and we do not invest in questionable industries. All our financial decisions are based on the real economy, fair partnership, and trust.

Profit on the Wakala deposit is paid monthly, on the same day you opened the deposit. You choose whether to deposit the return directly to your account or add it to your deposit.

This choice is fixed when the deposit is opened and remains unchanged for the entire term.

To receive the maximum return of 20% per year, simply open a Wakala deposit for 36 months and choose the option where profit is added to the principal amount. This allows profit to "work for itself" — this is called capitalization. If you're not ready to commit to a 3-year term, other terms are available, ranging from 3 to 24 months. Choose what's most convenient for you.

Yes, you can replenish your deposit within the first 30 calendar days from the opening date (including the opening date). After this period, additional contributions are no longer available.

Partial withdrawals are not allowed — the full amount remains on the deposit until the end of the term. However, if needed, you may close the deposit early and the deposited amount will be returned to your account.

No, opening the deposit is completely free. The Bank does not charge an agency fee for opening a Wakala deposit.

You may receive profit monthly — either to your account or added to your deposit. If profit is added to the deposit, it also begins to generate profit, increasing your final return (up to 20% per annum). If you choose payout to your account, you can use the money immediately. You decide which option is most convenient for you.

Yes, the deposit is automatically renewed for the same term and under the conditions valid on the renewal date. There is no limit to the number of renewals.

If you decide to close the deposit early, any accrued profit is not retained — this is specified in the agreement. All profit previously paid is deducted from the total, and the remaining balance is returned to your account. However, if you have already renewed (prolonged) the deposit, then in case of termination, the profit for the previous completed term (before renewal) is preserved.