We are building Safa-invest so Muslims never have to choose between growing their wealth and keeping it halal. Every share, ETF and commodity in the app is screened against AAOIFI standards and approved by a Shariah scholar, so "is this permissible?" is answered before you ask it.
Too many Muslims leave their savings idle because they cannot tell which investments are permissible. Others invest and quietly worry. Safa exists to remove that doubt. Sharia governance sits at the centre of everything we build, and nothing reaches you until a scholar has approved it.
Every instrument shows its Sharia status, and every cost is shown before you act. No small print, no guesswork.
Scholars decide, not algorithms alone. Every verdict is logged with its reason and the methodology it used.
Halal investing for everyone, from a first monthly savings plan to an account for your children.
Compliance does not stop at the purchase. Holdings are re-screened, and impure income can be purified easily.
Everything in Safa passes Sharia screening first. Anything that has not is simply not available.
Search any share or ETF and see its Sharia status at a glance. Approved instruments can be bought on the gettex exchange; everything else is blocked.
Safa estimates the impure share of your dividends and gains, and you donate it to charity.
Choose an amount, an instrument and a date once. If an instrument ever loses approval, its plan pauses.
Sharia-screened commodity products such as physically backed gold, right next to your shares.
Bring holdings from another broker. Each position is screened on arrival, and you can sell anything non-compliant*.
Parents can invest for their children as legal guardians. When the child turns 18, the account becomes their own.
* You can sell an instrument, even one that is not Sharia-compliant, if it is traded on a regulated market the bank can access, as set out in its General Customer Information under § 63 (7) WpHG. For trades on exchanges other than gettex, the bank's standard prices may apply.
Safa's Sharia Board sets the screening methodology. Every instrument is checked against it, and a Shariah scholar gives the final verdict before it appears in the app.
Ratios are measured against trailing 36-month market capitalisation. Nine sectors are excluded outright. Every verdict is logged with the methodology version it used.
* You can sell an instrument, even one that is not Sharia-compliant, if it is traded on a regulated market the bank can access, as set out in its General Customer Information under § 63 (7) WpHG. For trades on exchanges other than gettex, the bank's standard prices may apply.
Your cash account earns no interest, and Safa never lends to you.
No leverage, short selling, margin or derivatives. Every cost is shown before you order.
Your money never passes through Safa. It sits in your own account at Baader Bank.
Impure income is estimated for you, so purifying your wealth is just a transfer, not a calculation.
Ask about the app, about Islamic finance, or about accounting and tax for your investments. Answers are written live and explain the reasoning, including where scholars differ.
Every instrument in Safa is re-screened on a schedule. If one fails, a Shariah scholar confirms the new status.
From that moment you can no longer buy more of it, and any savings plan on it is paused. You get a notification with the information, so you can react.
General guidance for learning, not a fatwa, tax advice or investment advice. For a ruling on your own situation, ask a qualified scholar or tax adviser.
Can't find yours? Ask Safa and get an answer in seconds.
Your cash and securities are held by Baader Bank in an account in your name. Client money never passes through Safa.
Safa GmbH provides investment brokerage services as a tied agent, in the name and for the account of DonauCapital Wertpapier GmbH, a financial services institution licensed and supervised for this purpose by BaFin. Orders are executed by Baader Bank.
Our support team answers by chat and email in several languages. Payment, transfer and Sharia questions go to the Safa operations team.
A widely used Islamic finance standard on shares and stocks. It sets limits on debt, interest-bearing assets and impure income, and excludes businesses whose core activity is impermissible.
Interest is riba, which Islam prohibits. Uninvested cash sits in your account without earning interest.
Even approved companies can have a small share of impure income. Purification means giving that share of your dividends and gains to charity. Safa estimates it for you.
They can be, if you really own what you buy. Safa only offers commodity products, such as physically backed gold, that its Sharia Board has approved, with no leverage.
Gains and dividends are subject to a flat 25% withholding tax, plus solidarity surcharge and church tax where it applies. The first €1,000 a year per person (€2,000 for couples) is tax-free with an exemption order.
Most scholars say yes, though they differ on how to value them. A common approach for long-term holdings is to pay on the zakatable share of the company's assets; for shares bought to trade, on their full market value.
Keep your contract notes, annual tax statements and purification donations. They make your tax return and zakat calculation much easier.