Sarwa review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Sarwa suits investors who want a managed portfolio with no account fee and no inactivity fee, starting from a minimum deposit of $500. The trade-off is a management fee of 0.4% to 0.85% and a minimum investment of $500, with oversight from Financial Services Regulatory Authority (FSRA) ADGM rather than a UK regulator.

Key facts

Best for
A managed, low-fee portfolio for investors who want no account or inactivity charge.
Minimum deposit
$500 (Source, checked September 26, 2026)
Stock trade fee
$1 (Source, checked September 26, 2026)
Account fee
$0 (Source, checked September 26, 2026)
Inactivity fee
$0 (Source, checked September 26, 2026)
Markets
Stocks, ETFs, Crypto, Bonds, Funds (Source, checked September 26, 2026)
Regulators
Financial Services Regulatory Authority (FSRA) ADGM (Source, checked September 26, 2026)
Deposit and withdrawal fees
No withdrawal fee (Source, checked September 26, 2026)
Account types
Joint (Source, checked September 26, 2026)
Legal entity
Sarwa Digital Wealth (Capital) Limited (Source, checked September 26, 2026)
Headquarters
United Arab Emirates (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Community (Source, checked September 26, 2026)
Features
Crypto, Fractional shares, Mobile app
Pricing model
Low fees
Official website
sarwa.co

Robo-advisors

Management fee
0.4% to 0.85% (Source, checked September 26, 2026)
Minimum investment
$500 (Source, checked September 26, 2026)
Regulators
Financial Services Regulatory Authority (FSRA) ADGM (Source, checked September 26, 2026)
Account types
Joint (Source, checked September 26, 2026)
Portfolio types
ETF, ESG, Cash, Crypto (Source, checked September 26, 2026)
Legal entity
Sarwa Digital Wealth (Capital) Limited (Source, checked September 26, 2026)
Headquarters
United Arab Emirates (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Community (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • No account fee of $0 and no inactivity fee of $0 on the account
  • Money can be taken out with no withdrawal fee
  • Support runs on email, phone and help centre, including phone and email
  • Fractional shares, crypto and a mobile app come as listed under crypto, fractional shares and mobile app

Cons

  • Stock trades cost $1 a trade, where eToro charges $0
  • The minimum deposit of $500 and minimum investment of $500 sit above CFI at $0 and Vantage at $5
  • Oversight sits with Financial Services Regulatory Authority (FSRA) ADGM, outside the UK, and that licence names no UK protection scheme
Sarwa

Ready to try Sarwa?

Scored 8.8 / 10 by BrokerCue.

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Who it suits

  • Investors who want a portfolio built from ETF, ESG, cash and crypto options, per etf, esg and cash
  • Beginners who prefer fractional shares and a mobile app, per crypto, fractional shares and mobile app
  • Holders who want to keep an account open without an account or inactivity charge, given $0 and $0

Who should look elsewhere

  • Anyone opening with a very small deposit: CFI takes $0 and Vantage takes $5
  • Share buyers who want no per-trade cost: eToro charges $0
  • Readers who only want accounts supervised by a UK regulator

How your money is protected

Safety of the money rests on who licenses the firm: Financial Services Regulatory Authority (FSRA) ADGM. The account is operated by Sarwa Digital Wealth (Capital) Limited, so the legal entity behind the balance is named. That licence points to no compensation scheme or client money guarantee, so readers who expect one should confirm the cover that applies before they fund an account.

How Sarwa compares

Where Sarwa is available

Available
United Arab Emirates
Licence in United Arab Emirates
Financial Services Regulatory Authority (FSRA) ADGM, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep a Sarwa account open?+

Sarwa charges an account fee of $0 and an inactivity fee of $0, so nothing is deducted for holding the account open. Withdrawals also carry no fee. The ongoing cost on a managed portfolio is a management fee of 0.4% to 0.85%, which is the main figure to weigh.

What is the minimum I need to start?+

You need a minimum deposit of $500 to fund the account and a minimum investment of $500 for the managed portfolio. Both sit above CFI, whose minimum deposit is $0, and above Vantage at $5.

Who regulates Sarwa?+

Sarwa is regulated by Financial Services Regulatory Authority (FSRA) ADGM and trades as Sarwa Digital Wealth (Capital) Limited. Oversight sits outside the UK, and the licence names no compensation scheme or client money guarantee, so a reader who relies on funded protection should ask the firm what applies to the balance.

What can I invest in?+

The account covers stocks, etfs and crypto. Managed portfolios come in etf, esg and cash versions, so an ETF, ESG, cash or crypto mix can be built. Crypto trading and fractional shares are both included, as listed under crypto, fractional shares and mobile app.

Which platforms and support channels are available?+

A mobile app is included, alongside fractional shares and crypto, per crypto, fractional shares and mobile app. Support runs on email, phone and help centre, so the team can be reached by phone or email, or worked through the help centre and community rather than a single route.

What account types does Sarwa offer?+

Joint is the account type listed under joint, which fits couples investing together. The pricing model is low fees, and the firm was founded in 2018 and is headquartered in the UAE.

How much do retail investors typically lose?+

Across the listings, the median share of retail accounts that lose money is 70.15%. That figure describes the group rather than Sarwa alone, so a managed portfolio is better read as a long term holding than as a short term trading product.

Can I withdraw money without paying a fee?+

Withdrawals carry no fee, so taking money out costs nothing. The account fee of $0 and the inactivity fee of $0 also stay at nothing, so an account left open is not charged either, and the balance you work with starts at $500.

Sources

  • help.sarwa.co/hc/en-us checked September 26, 2026

    Backs: Support channels

    “Email: hello@sarwa.co - Whatsapp Message: +971504151476”

  • sarwa.co/en/about checked September 26, 2026

    Backs: Founded, Headquarters

    “this month became the first company to graduate from Dubai's regulatory sandbox”

  • sarwa.co/en/pricing checked September 26, 2026

    Backs: Management fee

    “0.4% to 0.85% annual fee”

  • sarwa.co/en/product/invest checked September 26, 2026

    Backs: Minimum investment, Portfolio types

    “$500 minimum balance”

  • sarwa.co/en checked September 26, 2026

    Backs: Deposit and withdrawal fees, Legal entity, Markets, Regulators, Licences

    “No withdrawal fees and no transfer costs for AED accounts - Sarwa Trade”

  • sarwa.co/en/pricing checked September 26, 2026

    Backs: Account fee, Account types, Features, Inactivity fee, Minimum deposit, Pricing model, Stock trade fee

    “No Custody fee - Sarwa Trade”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Investor protection, Retail accounts that lose money.

Sarwa

Sarwa

A managed, low-fee portfolio for investors who want no account or inactivity charge.

8.8/10See alternatives

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