Sarwa review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Sarwa packs crypto, fractional shares and a mobile app into one low fee investing account, which suits first time investors who want to build a portfolio from a phone rather than a dealing desk. The account fee is $0 and the minimum deposit is $500.
Key facts
- Best for
- A low cost starter account for investors who want stocks and crypto side by side.
- Minimum deposit
- $500↗
- Stock trade fee
- $1↗
- Account fee
- $0↗
- Inactivity fee
- $0↗
- Markets
- Stocks, ETFs, Crypto, Bonds, Funds↗
- Regulators
- Financial Services Regulatory Authority (FSRA) ADGM↗
- Deposit and withdrawal fees
- No withdrawal fee↗
- Account types
- Joint↗
- Legal entity
- Sarwa Digital Wealth (Capital) Limited↗
- Headquarters
- United Arab Emirates↗
- Founded
- 2018↗
- Support channels
- Email, Phone, Help-centre, Community↗
- Features
- Crypto, Fractional shares, Mobile app
- Pricing model
- Low fees
- Official website
- sarwa.co
Robo-advisors
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Stocks, ETFs, crypto, bonds and funds sit in the same account, so digital assets do not need a second platform.
- Fractional shares and a mobile app are both supported, so small sums can be spread across holdings.
- The account fee is $0 and cash can be withdrawn without a charge, so holding and moving money costs nothing.
- Support runs through email, phone and help centre, and account types include joint.
Cons
- Sarwa asks $500 to get started, a higher entry point than the €25 asked across the investment platforms listed.
- Letting Sarwa manage the portfolio costs a management fee of 0.4% to 0.85%, above the 0.35% shown across the platforms listed.
- The only account type listed is joint, so anyone wanting a tax sheltered wrapper or a cash savings pot has to look elsewhere.
Who it suits
- Investors who want stocks, ETFs, crypto, bonds and funds in one app.
- Joint investors, since joint accounts are offered.
- Newcomers who prefer fractional shares and a mobile app to larger ticket dealing.
Who should look elsewhere
- Anyone starting with a smaller balance than $500 should look at bunq, which asks €10.
- Readers after a Mexican regulated provider will find CONDUSEF supervision at Fiesta Credito MX, rather than Financial Services Regulatory Authority (FSRA) ADGM at Sarwa.
Safety of your money
Sarwa lists a single regulator, the Financial Services Regulatory Authority (FSRA) ADGM, which supervises the Abu Dhabi Global Market. Oversight sits outside the UK and Europe, so the familiar home market compensation arrangements do not follow the money here. Buyers who want their deposits supervised by an authority in their own country should weigh that before opening an account.
Who runs it
Sarwa Digital Wealth (Capital) Limited is the operating company, based in the United Arab Emirates and founded in 2018. Support runs through email, phone and help centre, so phone and email are both available alongside a help centre and a community, which covers most account questions without an appointment.
How Sarwa compares
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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 open and hold a Sarwa account?+
The account fee is $0 and the inactivity fee is $0, so there is nothing to pay for keeping the account open. The entry requirement is money: the minimum deposit is $500, and the minimum investment is $500. Costs start when you deal or hand over a managed portfolio.
How much do stock trades and managed portfolios cost?+
A stock trade costs $1, and fractional shares let a trade be sized smaller than a whole share. If Sarwa runs the portfolio, a management fee of 0.4% to 0.85% applies on top of the low fee account, which is the trade-off for hands off investing.
Who regulates Sarwa and where?+
Sarwa names the Financial Services Regulatory Authority (FSRA) ADGM as its regulator, the authority for the Abu Dhabi Global Market. Supervision therefore sits outside the UK and Europe, which is the detail to weigh before depositing, particularly for anyone who prefers a home market regime.
Can I get my money out?+
Cash withdrawals carry no charge, and the account fee and inactivity fee are both $0 and $0, so moving money adds no cost. The figure to plan around is the $500 minimum investment needed to open the account in the first place.
What can I actually invest in?+
Stocks, ETFs, crypto, bonds and funds are all available in the same account, and the portfolio options cover ETF, ESG, cash and crypto. Account types listed are joint, so a joint investor can hold those holdings with a partner.
Is there an app and can I buy part shares?+
The platform lists a mobile app alongside crypto and fractional shares, so part share buying and digital assets work in the same place. Entry starts at $500, and the $0 account fee keeps the holding cost at nil while the money sits there.
How much risk am I taking?+
Across the retail accounts tracked here, the share that lose money sits at 70.15%, with 40.3% at the lowest end and 88% at the highest. A fee of $0 does not change that base rate, it only trims the cost of staying invested.
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.
Related by the facts
Sarwa
A low cost starter account for investors who want stocks and crypto side by side.