Debt Ratio Filter
Business debt must not exceed 33% of market capitalisation. Companies with excessive leverage are excluded — consistent with Islamic principles of avoiding gharar (excessive uncertainty).
Threshold: debt < 33% market cap
FCA Regulated • AAOIFI-Aligned • ISA-Wrapped
Your money, managed to halal standards.
Wealth8 wraps Sharia-screened equities and Sukuk in an FSCS-protected ISA — reviewed quarterly by an independent Sharia Supervisory Board. For the UK professional who expects the same regulatory rigour from their halal portfolio as from any other FCA-authorised investment.
FCA Authorised
FSCS Protected up to £85,000
AAOIFI-aligned Sharia Screening
The Platform
Your portfolio, your principles.
An ISA wrapper that combines HMRC tax advantages with authentic Sharia screening — reviewed quarterly by an independent Sharia Supervisory Board. Track your allowance, monitor your holdings, and see your purification donations in real time.
- Portfolio composition — Sharia-screened global equities + Sukuk + riba-free cash
- ISA allowance tracker — live progress ring showing £ used vs remaining this tax year
- Purification calculator — haram residual income automatically donated to your chosen charity
- GBP → diaspora currency — convert proceeds to NGN, PKR, EGP or BDT at competitive FX rates
Getting started
From signup to screened portfolio in under 20 minutes.
1
Open your ISA
Identity verification takes minutes. No minimum balance required. Declare your ISA for the current tax year — HMRC rules apply.
2
Choose your risk profile
Conservative, balanced, or growth. Each profile is a Sharia-compliant allocation designed with our Supervisory Board — no conventional bonds, no riba-bearing instruments.
3
We screen and invest
Sharia filters are applied automatically every quarter. Failing stocks are sold; purification donations are made; your ISA stays compliant — without any action from you.
ISA Wrapper
Tax-free growth, no capital gains, no dividend tax.
The UK Individual Savings Account gives you up to £20,000 per year of completely tax-free investment. No Capital Gains Tax when you sell. No Dividend Tax on income. The ISA wrapper is one of the most generous tax shelters available to UK investors — and it's entirely compatible with halal investing principles.
FSCS Protected up to £85,000
ISA & SIPP explainer
Regulated & Protected
Three pillars of protection.
FCA Authorised & Regulated
Wealth8 is authorised and regulated by the Financial Conduct Authority. FCA regulation means we operate to strict conduct standards, hold adequate capital, and are subject to ongoing supervisory oversight.
FCA Registration No. 1029847FSCS Protection
Eligible deposits are protected up to £85,000 per authorised firm by the Financial Services Compensation Scheme. If Wealth8 were to fail, the FSCS would protect your eligible deposits. Capital at risk applies to investments.
Up to £85,000 per depositorIndependent Sharia Board
Wealth8's Sharia Supervisory Board comprises Islamic finance scholars qualified to AAOIFI standards. The Board reviews portfolio composition quarterly and certifies compliance — independently of investment management.
AAOIFI-aligned standards
Client Experiences
Conviction does not require compromise.
“
I finally found an ISA that I don't have to check against a halal list every time. Wealth8 does that work for me. I opened my account in 15 minutes and had peace of mind from day one.
Amara K.
NHS Nurse, Birmingham
“
As a first-generation immigrant, I came to the UK with no financial adviser pointing me toward halal options. The mainstream platforms had either nothing halal, or they were offshore with no FSCS cover. Wealth8 fills that gap brilliantly.
Tariq B.
Software Engineer, London
Client experiences shown are illustrative. Individual results vary. Capital at risk. Wealth8 does not provide personal investment advice.
Built for the UK diaspora
Your roots. Your rules. Your returns.
Whether you are saving toward a property in Lagos or covering school fees in Karachi — Wealth8 gets the calculation: invest here, support family back home, retire eventually. We built the platform that sits at the intersection of Islamic finance conviction and full UK regulatory protection.
Your ISA allowance does not care about the timezone difference with Cairo. Contribute monthly, let Sharia-screened equities compound inside the tax wrapper, and withdraw proceeds in Nigerian Naira, Pakistani Rupee, Egyptian Pound or Bangladeshi Taka when the time comes — with a transparent 0.30% FX spread, no hidden conversion charges.
GBP → NGN • PKR • EGP • BDT
Start building halal wealth today.
Open a Sharia-screened ISA. FSCS protected. No minimum balance required.
Capital at risk. ISA rules and tax treatment depend on individual circumstances and may change. Wealth8 does not provide personal investment advice.