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These accounts pay an Expected Profit Rate (EPR) instead of interest: the Islamic equivalent of a savings account. Your money grows without riba.
Conventional savings accounts pay interest (riba). Islamic banks use a profit-sharing model: they invest your money in halal assets and share the profit with you. The EPR is the expected return, similar to an interest rate but Sharia-compliant.
All UK Islamic banks listed here are FSCS protected up to £85,000, the same as conventional banks.
4.5%
EPR
UK's oldest Islamic bank. Profit paid monthly.
4.9%
EPR
Higher rate for locking your money away. Good for a savings goal with a clear timeline.
4.4%
EPR
Lowest minimum deposit. Fully digital, open in minutes.
4.8%
EPR
Fixed term with profit paid at maturity.
4.75%
EPR
Bank of London and Middle East. Strong track record.
Move the sliders to see your projected savings.
£200
3 yrs
4.5%
You save
£7,200
Profit adds
+£522
Total balance
£7,722
Illustrative. EPR rates change over time. Check the bank’s website for current rates.
Easy Access
You can withdraw at any time. Rates are slightly lower but your money is always available. Good for emergency funds and short-term goals.
Fixed Term (Notice)
You lock your money away for a set period (e.g. 12 months). Higher EPR in exchange for not being able to touch it. Good for goals with a clear timeline.
Cash ISA
A savings account wrapped in a tax-free ISA. Any profit earned is free from income tax. Al Rayan and Gatehouse offer Sharia-compliant Cash ISAs.