Sarwa
Invest + trade + cash app.
- Who holds it
- A registered broker-dealer holds your cash and securities as client assets — FSRA-regulated (ADGM, UAE) investment platform; robo-advisory and broker services.
- The ledger
- The broker’s books, under client-asset rules.
- If it fails
- Client assets are returned or transferred, protected up to the investor-protection scheme’s limit.
Derived from Sarwa’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Dubai, AE |
| Founded | 2017 |
| Custody | Custodial |
| Regulation type | Broker-led |
| License detail | FSRA-regulated (ADGM, UAE) investment platform; robo-advisory and broker services |
| Card | No card |
| Yield | Sarwa Save yield |
| Stablecoins | No |
| KYC | Yes |
| Active regions | MENA |
| Founders | Mark Chahwan, Jad Sayegh, Nadine Mezher |
Verified links: official site ↗
Common questions about Sarwa
What is Sarwa?
Sarwa is a fiat neobank, headquartered in Dubai, AE and founded in 2017. Your money is held custodially, so Sarwa or its partner bank holds the balance and you hold a claim on it. It is regulated as broker-led (FSRA-regulated (ADGM, UAE) investment platform; robo-advisory and broker services).
Does Sarwa have a card, and where can you use it?
It issues no card of its own. It is available in MENA.
Does Sarwa require KYC?
Yes. Sarwa requires identity verification (KYC) to open an account, as a broker-led.
What does Sarwa cost?
From the verified fields: yield Sarwa Save yield. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Sarwa before relying on them.
Peers
Wise · Telda · Wio Bank · Zand · YAP · Liv.
Sarwa appears in
Neobanks available in MENA (85) · Neobanks with no card of their own (67) · Neobanks in UAE (14)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.